FY 2021 BALANCED APPROACH BETWEEN INVESTMENT AND COST MANAGEMENT

APPENDIX 10| STRONG GROWTH ON BOTH SIDES OF THE BALANCE SHEET IN P&C Average Loans and BA's ($B) 2-Yr CAGR: 7.9% Average Deposits ($B) 2-Yr CAGR: 11.8% 133.3 129.0 119.0 114.5 80.6 78.1 72.2 44.7 64.5 42.5 38.0 37.5 1.9 2.0 1.9 2.2 10.3 10.4 22 41.0 43.5 36.8 33.3 10.4 10.5 74.3 76.3 64.3 68.7 35.4 37.0 37.1 31.2 Q4 19 Q4 20 Q3 21 Q4 21 Q4 19 Q4 20 Q3 21 Q4 21 ■Mortgage loans Personal loans Credit cards ■Commercial Personal Commercial CAGR CAGR QoQ YOY QoQ YOY (2-Yr) (2-Yr) Average Loan Growth 3.3% 12.0% 7.9% Average Deposit Growth 3.3% 11.7% 11.8% Mortgage loans 2.6% 10.9% 8.9% Personal 0.2% 4.7% 9.1% Commercial 6.1% 18.4% 14.4% Personal loans 1.4% 0.2% (0.4%) Credit cards 4.4% 4.9% (6.1%) Commercial 5.1% 17.5% 9.2% 27|

View entire presentation