Embracing Fintech

Digital Progress: Canada Digital Adoption (%) +7% +200 bps Active Digital Users (#'000) 3,329 3,599 3,847 4,071 3,985 4,272 +28% 59% 58% 60% 55% 50% 46% 2018 2019 2020 2021 Q3/21 Q3/22 +1,400 bps +8% 2018 2019 2020 2021 Q3/21 Q3/22 Active Mobile Users (#'000) 3,073 3,393 3,304 3,583 2,396 2,666 Digital Sales (%) +50% 2018 2019 2020 2021 Q3/21 Q3/22 +200 bps 27% +0 bps 26% 26% 25% 23% +100 bps 16% Self-Serve Transactions 84% 87% 92% 93% 93% 93% +900 bps (%) 2018 2019 2020 2021 Q3/21 Q3/22 2018 2019 2020 2021 Q3/21 Q3/22 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and/or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 15 15

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