Capital Management and Funding Strategy

Takeaways Business Results • Q3'23 Net Income of $2.5B • Q3'23 Diluted EPS of $3.30 Balance Sheet • We continued to maintain a robust liquidity position and CET1 ratio within our target range. • As of September 30, 2023: AM EX • 10.7% CET1 Ratio • Strong liquidity position with $44B in Cash and cash equivalents . Diversified funding mix - Retail deposits grew over $14B from $109B at YE 2022 to $124B at the end of Q3 2023 tAttributable to common shareholders. Represents net income less earnings allocated to participating share awards and dividends on preferred shares for the quarter ended September 30, 2023. 13

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