Economic Backdrop and Financial Performance Objectives

Strength of a high-quality liquid balance sheet $1,974 Billion (as at January 31, 2024) Assets Liabilities & Capital Unsecured Funding 35% Cash and Reverse Repos 45% Liquid Assets 128% coverage Secured Funding Loan Portfolio Represents 43% of Total Balance Sheet Excluding Allowances and Including Sold MBS as per IFRS Derivatives are on Balance Sheet as per IFRS Trading & Investment Securities Personal Deposits Wholesale Funding Residential Mortgages (1) 124% coverage 54% Business & Government Deposits Capital + Retail- Other Retail Loans Related Funding Wholesale Loans Other Assets (2) Securitization (1) and Covered Bonds and FHLB Capital Other Liabilities (2) (1) Securitized agency mortgage-backed securities (MBS) are on balance sheet as per IFRS. (2) Other assets include $105BN of derivative-related assets, largely offset by derivative-related liabilities in Other liabilities. Under IFRS derivative amounts without master netting agreements cannot be offset and the gross derivative assets and liabilities are reported on balance sheet. 55 APPENDIX RBC

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