Investor Presentaiton

Global Banking and Markets Global Banking and Markets (GBM) provides corporate clients with lending and transaction services, investment banking advice and access to capital markets. GBM is a full-service wholesale bank in the Americas, with operations in over 20 countries, serving clients across Canada, the United States, Latin America, Europe and Asia-Pacific. BUSINESS MIX AS AT Q3/23 Asia 2% Europe 6% US 45% Revenue Mix¹ $1.3Bn Canada 47% Global Equities 19% Business Banking 55% Revenue Mix1 $1.3Bn FICC 26% NET INCOME 2 ($MM) AND ROE 5 (%) STRATEGIC FOCUS Executing a consistent strategy to be a top wholesale Bank in the Americas, that is focused on Client, Product, and Geography Well positioned to leverage the Bank's unique geographic footprint across the Americas to serve it's cross-border clients in Canada, US and LatAm FINANCIAL RESULTS ($MM) 12.9% 13.4% 11.1% 13.2% 10.5% $MM Reported Q3/23 Y/Y Q/Q Net Income² $434 15% 8% 484 519 378 401 434 Pre-Tax, Pre-Provision Profit³ $585 18% (3%) Revenue $1,343 17% (1%) Expenses $758 16% 1% Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 PCLS ($6) nmf nmf MEDIUM-TERM FINANCIAL OBJECTIVES Productivity Ratio4 56.5% (30 bps) 90 bps PCL Ratio4 (2 bps) 3 bps (17 bps) PCL Ratio Impaired Loans4 (3 bps) 3 bps (3 bps) Net Income Growth 2,4 Productivity Ratio4 Operating Leverage4 ~5% ~50% Positive 1 May not add due to rounding; 2 Attributable to equity holders of the Bank; 3 See non-GAAP reconciliations beginning on slide 83; 4 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto; 5 Refer to non- GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca 42

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