Embracing Fintech

Strong Capital Position CET1 ratio of 11.4%¹ Q/Q CHANGE IN CET1 RATIO (%) 28 bps 11.6% 11.4% (28 bps) (9 bps) (3 bps) (6 bps) Q2 2022 Reported Earnings less dividends RWA Growth (ex. FX) Share buybacks FVOCI securities Other (net) Q3 2022 Reported 445.3 Q/Q CHANGE IN RISK WEIGHTED ASSETS ($Bn) 18.9 (1.7) 0.9 0.2 452.8 (7.1) (3.7) Q2 2022 Business Growth Net Credit Model Updates & FX & Other Migration Implementations Market Risk Operational Risk Q3 2022 1 This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy Requirements (November 2018) . Internal capital generation supported strong organic growth across all business lines Additional capital deployment through share buybacks: o Repurchased 5.0 million common shares or 9 bps in Q3 2022 。 Year-to-date repurchases of 31.3 million shares or 62 bps RWA increased $7.5 billion Q/Q Strong organic growth, mainly in business lending, retail mortgages and personal loans, partially offset by: 。 Updates to advanced internal-ratings based models О The impacts of foreign currency translation 12

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