Fiscal 2023 Financial Performance

Digital Progress: Canada DIGITAL ADOPTION (%) +8% ACTIVE 3,599 3,847 4,071 4,368 4,368 4,705 +170 bps DIGITAL USERS ( %23'000 ) +31% 55% 59% 61% 61% 62% 50% 2019 2020 2021 2022 Q4/22 Q4/23 +1,230 bps +11% 2019 2020 2021 2022 Q4/22 Q4/23 ACTIVE 3,073 3,393 3,704 3,704 4,117 DIGITAL SALES (%) MOBILE USERS ( %23'000 ) 2,666 +54% -40 bps 2019 2020 2021 2022 Q4/22 Q4/23 +60 bps 28% 28% 28% 26% 23% +150 bps 16% SELF-SERVE TRANSACTIONS 87% 92% 93% 93% 93% 94% +670 bps (%) 2019 2020 2021 2022 Q4/22 Q4/23 2019 2020 2021 2022 Q4/22 Q4/23 Definitions Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds) Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base) Digital Users: # of customers who logged into website and / or mobile in the last 90 days Mobile Users: # of customers who logged into mobile in the last 90 days Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR 23

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