Investor Presentaiton

Risk Adjusted Margin¹ and NIM² RISK ADJUSTED MARGIN 3.31% 3.31% 3.22% 3.22% 3.18% ALL-BANK NIM (7 bps) O bps 2.22% 2.23% 2.20% 2.10% 2.05% 218 bps 2.05% 2.12% 2.02% 1.94% 1.83% Q1/22 All-Bank 226 bps Q2/22 Q3/22 Q4/22 Canadian Banking 211 bps Q1/23 Q4/22 Spreads Business Mix Q1/23 International Banking CANADIAN BANKING NIM 1 bp (1 bp) 226 bps 408 bps INTERNATIONAL BANKING NIM 0 bps (0 bps) (8 bps) 400 bps Q4/22 Spreads Business Mix Q1/23 Q4/22 Spreads Inflation Business Mix Q1/23 1 Risk-Adjusted Margin calculated as (Net Interest Income less Provision for Credit Losses) / Average Core Earning Assets. See non-GAAP reconciliations beginning on slide 41 2 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com 20 20

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