Investor Presentaiton

Net Income and Adjusted Diluted EPS Net Income ($MM) and EPS ($ per share) Q4/21 Q3/22 Q4/22 FY21 FY22 1 Net Income attributable to common $2,411 $2,504 $1,949 $9,391 $9,656 shareholders Dilutive impact of share-based payment options and others $3 $6 $4 $43 $36 Quarterly diluted common shares outstanding may be impacted by dilutive effect of put options sold by the bank in the following legal entities: - Colpatria Net Income attributable to common shareholders (diluted) $2,414 $2,510 $1,953 $9,434 $9,692 - Canadian Tire Financial Services Weighted average number of common shares outstanding 1,215 1,195 1,192 1,214 1,199 Dilutive impact of share-based payment options and others Weighted average number of diluted common shares outstanding 1 8 7 11 9 1,224 1,203 1,199 1,225 1,208 Reported Basic EPS Dilutive impact of share-based payment options and others Reported Diluted EPS $1.98 $2.10 $1.64 ($0.01) ($0.01) ($0.01) $1.97 $2.09 $1.63 Impact of adjustments on diluted $0.13 $0.01 $0.43 earnings per share¹ $7.74 $8.05 ($0.04) ($0.03) $7.70 $8.02 $0.17 $0.48 Adjusted Diluted EPS1 $2.10 $2.10 $2.06 $7.87 $8.50 1 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 19

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