Investor Presentaiton

Strong Capital Position Q/Q CHANGE IN CET1 RATIO (%) 1 11 bps 12.7% 19 bps 18 bps 12.3% (10 bps) • CET1 ratio of 12.7%, expected to continue to grow through fiscal 2023 Contributions from internal capital generation and share issuances through DRIP Q2 2023 Reported Earnings less dividends RWA growth (ex. FX) Share issuances Other (mainly DRIP) (mainly regulatory deductions) Q3 2023 Reported Internal capital generation Q/Q CHANGE IN RISK WEIGHTED ASSETS ($BN) 451.1 1.8 0.2 (1.7) (3.4) (1.3) Lower RWA benefited from a risk transfer transaction and a reduction in the regulatory capital floor add-on 439.8 (6.9) Q2 2023 Reported Book Size Book Quality FX & Other Market and Model Updates Risk Operational Risk Change in Floor Add-on Q3 2023 Reported 1 This measure has been disclosed in this document in accordance with OSFI Guideline - Capital Adequacy Requirements (February 2023) 11

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