Q1 2022 Financial Performance

Loan Portfolio 84% Real Estate Secured Lending • High Quality Residential Mortgage Portfolio 。 29% insured; remaining 71% uninsured has an LTV of 49%¹ 。 Mortgage business model is “originate to hold" 。 New originations² in Q1/22 had average uninsured LTV of 64% 。 Majority is freehold properties; condominiums represent approximately 15% of the portfolio • Market Leader in Auto Loans 。 $39.1 billion retail auto loan portfolio with 9 OEM relationships (5 exclusive) Prime Auto and Leases (~93%) 。 Stable lending tenor with contractual terms for new originations averaging 80 months (~6.5 years) with projected effective terms of 54 months (4.5 years) • Prudent Growth in Credit Cards o $7 billion credit card portfolio represents ~2% of domestic retail loan book and ~1% of the Bank's total loan book o Organic growth strategy focused on payments and deepening relationships with existing customers 4% Unsecured DOMESTIC RETAIL LOAN BOOK³ $368Bn 2% Credit Cards 1LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 2 New originations defined as newly originated uninsured residential mortgages and have equity lines of credit, which include mortgages for purchases refinances with a request for additional funds and transfer from other financial institutions 3 Spot Balance as of January 31, 2022; Percentages may not add to 100% due to rounding 4 Net of allowance for credit losses 11% Automotive 23

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