Financial Markets Summary Q4 2022

FY 2022 BALANCED APPROACH DRIVING STRONG PTPP GROWTH - FY 2022 Performance (YoY) Reported Adjusted(1) ☐ Strong execution throughout the year Revenue growth Expense growth 8.1% 9.0% 6.7% 6.9% Variable compensation 1.4% 1.4% Operational costs (2) 4.0% 4.2% Investment spend (3) 1.3% 1.3% PTPP growth (4) 9.9% 11.4% Operating leverage (5) 1.4% 2.1% ■ Efficiency ratio(5) 54.2% 52.6% Strong Execution Throughout FY 2022 Adjusted PTPP up 11.4% on strong business performance ■ Positive operating leverage target achieved Disciplined cost management Expense growth in line with strong business performance and investments in technology to grow and protect the Bank (YoY) 10.9% 9.2% 8.0% 9.0% 7.9% 7.2% 6.9% 6.9% 6.7% 6.6% Q1 22 Q2 22 Q3 22 (1) Q4 22 F22 (1) Adjusted Revenue growth -- Adjusted Expense growth (1) On a taxable equivalent basis, and excluding specified items when applicable, which are non-GAAP financial measures. See slide 2. (2) Includes salaries and employee benefits, technology and amortization expenses, occupancy costs as well as other expenses related to the Bank's normal course of business. (3) Includes technology expenses, salaries and employee benefits, and professional fees related to the Bank's strategic technology investments, as well as expenses related to our new subsidiary Flinks acquired in Q4 2021. (4) Pre-Tax Pre-Provision earnings (PTPP) refers to Income before provisions for credit losses and income taxes. (5) Represents a supplementary financial measure. See slide 2. 8

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