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Investor Presentaiton

STRONG BALANCE SHEET Ratios (Dec. 31, 2022) Leverage ratio of 23.4% Coverage ratio of 13.2x Capital flexibility Potential capital deployment of ~$350M as at December 31, 2022 Very favourable impact expected at IFRS 9/17 transition¹ NCIB iAm Financial Group During Q4/22, 0.7 million shares were redeemed and cancelled for a total value of $55.8 million. During 2022, 3.1 million shares were redeemed and cancelled for a total value of $213.1 million. A new NCIB program has begun on Nov. 14, 2022, and up to 5,265,045 common shares could be redeemed through Nov. 13, 2023. 22 1 Expected estimated combined impact of IFRS 9 and IFRS 17 transition on January 1, 2022, according to information available as at Dec. 31, 2022. + This item is a non-IFRS measure; see the "Non-IFRS and Additional Financial Measures" section at the beginning of this document for relevant information about such measures.
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