Seeing Beyond Numbers

Why Invest? | Diversified funding strategy Strengthening Our Funding S&P and DBRS Morningstar revised their long- term ratings outlooks from "negative" to "stable" ✓ Issued Limited Recourse Notes and Covered Bonds Path Forward: Add new digital and cash management capabilities to drive deposits ➤ Initiate USD institutional funding ➤ Introduce sustainable bond framework Seeing Beyond Numbers Multiple Funding Sources Well-diversified funding sources to support our growth $46.1 B $46.1 B Liquid assets 8.6 10.2 ■Demand & notice deposits 29% Loans, net 32.9 34.2 ■Other assets ■Term deposits & wholesale funding ■Capital ■Other liabilities 3.0 1.7 1.6 Total Assets Liabilities & Capital 1% 7% 18% Q1 FY22 7% 1% 7% 30% ■Personal - Branch deposits ■■Personal - Advisors & Brokers deposits ■ Personal - Digital deposits ■■Business deposits ■ Wholesale deposits ■ Debt related to securitization activities ■ Subordinated debt ■ Shareholders' equity 38

View entire presentation