Fiscal 2023 Financial Performance

Reconciliation for non-GAAP Financial Measures International Banking: PCLs, Revenues, Loans, Deposits ($MM) PCLS Q4/22 Reported Basis Q3/23 Q4/23 Q4/22 Constant Dollar Basis¹ Q3/23 Pacific Alliance 298 465 455 327 Caribbean and Central America 43 27 36 45 458 27 Q4/23 455 36 Revenue ($Bn) Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Latin America 1,929 2,213 2,158 2,146 2,209 2,158 C&CA 546 601 614 544 611 614 Asia 29 32 27 28 31 27 Average International Banking Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Loans ($Bn) Mortgages 44 53 52 48 51 52 Personal Loans 19 20 20 20 20 20 Credit Cards 8 9 9 8 9 9 Business Loans and Acceptances 90 96 94 95 96 94 Average International Banking Deposits ($Bn) Q4/22 Q3/23 Q4/23 Q4/22 Q3/23 Q4/23 Personal 38 42 42 41 42 42 Non-Personal 75 87 90 81 87 90 ($Bn) Reported Basis Constant Dollar Basis¹ Average International Banking Business Loans Investment Grade Non-Investment Grade Q4/22 Q1/23 Q2/22 Q3/23 Q4/23 37 39 40 39 39 Q4/22 39 Q1/23 40 Q2/22 Q3/23 Q4/23 40 39 39 53 56 57 57 56 56 58 57 57 56 1 Refer to non-GAAP measures on page 20 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca 47

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