Seeing Beyond Numbers

Build One Winning Team Make Size Our Advantage Think Customer First Simplify Make the Better Choice Commercial Banking | Diversify geographically and by industry Commercial Loan Portfolio Mix¹ (2021 vs 2024) New Focus Industries 2021 $14BN 5% 6% 46% 26% 3% 1 As at October 31 14% Seeing Beyond Numbers 2024 >$18BN 5% 5% 45% 26% 1% >18% ୩ Technology Small Construction ESG-Friendly Equipment 18

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