Investor Presentaiton

Other 1, 2 REPORTED NET INCOME ($MM) (67) (52) (164) (10) Q4/21 Q1/22 Q2/22 (603) Q3/22 Q4/22 1, 2, 3 ($MM) ADJUSTED NET INCOME (35) (10) (52) (67) (100) Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 • HIGHLIGHTS Reported net income attributable to equity holders includes adjusting items of $503 million ($579 million pre- tax) HIGHLIGHTS Higher funding costs resulting from higher interest rates and asset/liability management activities Represents smaller operating segments including Group Treasury and corporate adjustments 2 Attributable to equity holders of the Bank 3 Refer to non-GAAP measures on page 17 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com 12 12

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