Strategic Priorities & Financial Overview

A leading Canadian financial institution¹ 1867 14MM | 48K $5.0B 10.3% 15.0% 12.4% FOUNDED CLIENTS EMPLOYEES² NET-INCOME (F23) ROE3 (F23) TSR4 (3-YR) CET1 RATIO5 (F23) DIVERSIFIED EARNINGS MIX STRONG CREDIT RATINGS Revenue by Strategic Business Unit (F23) Corporate & Other Net Income Contribution by Region (F23)6 Agency Rating8 Other US7 Moody's Aa2 (Senior⁹, A2), Stable Capital Markets & Direct 1% 18% 18% Financial 24% Services 40% $23.3B Canadian Personal & Business Banking S&P A+ (Senior⁹, A-), Stable $5.0B Fitch AA (Senior⁹, AA-), Stable 23% 12% Canadian Commercial & Wealth US Commercial 64% DBRS AA (Senior⁹, AA (low)), Stable Canada & Wealth CIBC For footnoted information refer to slide 34. 3

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