Fiscal 2023 Financial Performance

Canadian Retail: Loans and Provisions' MORTGAGES 10 10 AUTO LOANS 152 89 78 83 37 41 39 50 2 1 01 11 76 89 65 45 63 (4) (5) 31 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 LINES OF CREDIT2 CREDIT CARDS 3 559 380 167 357 312 338 267 268 81 36 48 48 51 60 48 82 82 244 81 321 292 80 240 246 241 45 56 58 28 116 10 (6) Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 (55) Q1/22 (59) Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 PCLs on Impaired Loans as a % of average net loans (bps)4 Auto Loans $42 Lines of Credit² Credit Cards Total 5 $35 $8 $378 100% 64% 2% 94%6 Loan Balances Q4/23 Spot ($Bn) % Secured PCL as a % of average net loans (bps)4 Mortgages $290 100% 1 Includes Wealth Management 2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit 3 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps 4 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto 5 Total includes other smaller portfolios 6 83% secured by real estate; 11% secured by automotive 34

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