Global Wealth Management Update

Canadian Retail: Loans and Provisions' MORTGAGES 1100 101 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 LINES OF CREDIT³ 70 33 41 48 51 48 36 48 60 57 45 56 32 28 (8) (6) 10 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 PCL as a % of average net loans (bps)² Loan Balances Q1/23 Spot ($Bn) % Secured 1 Includes Wealth Management Mortgages $302 100% התות AUTO LOANS 99 78 39 37 41 39 50 78 4 63 35 45 31 (6) (4) (5) Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 CREDIT CARDS5 410 380 288 312 244 267 268 234 310 204 241 240 116 (84) (55) (59) Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 PCLs on Impaired Loans as a % of average net loans (bps)² Auto Loans Lines of Credit³ $41 100% $34 64% Credit Cards $7 2% Total $387 95%4 2 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 4 84% secured by real estate; 11% secured by automotive 5 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps 47

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