Earnings and Dividend Growth

Loan Portfolio 83% Real Estate Secured Lending • High Quality Residential Mortgage Portfolio 。 33% insured; remaining 67% uninsured has an LTV of 49%¹ 。 Mortgage business model is “originate to hold" 。 New originations² in Q3/21 had average LTV of 65.3% 。 Majority is freehold properties; condominiums represent approximately 15% of the portfolio • Market Leader in Auto Loans o $38.3 billion retail auto loan portfolio with 9 OEM relationships (5 exclusive) o Prime Auto and Leases (~92%) 。 Stable lending tenor with contractual terms for new originations averaging 77 months (6.5 years) with projected effective terms of 52 months (4.5 years) • Prudent Growth in Credit Cards 。 $6 billion credit card portfolio represents ~2% of domestic retail loan book and ~1% of the Bank's total loan book o Organic growth strategy focused on payments and deepening relationships with existing customers 4% Unsecured DOMESTIC RETAIL LOAN BOOK³ $349B 2% Credit Cards 1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data 2 New originations defined as newly originated uninsured residential mortgages and have equity lines of credit, which include mortgages for purchases refinances with a request for additional funds and transfer from other financial institutions 3 Spot Balance as of July 31, 2021; Percentages may not add to 100% due to rounding 11% Automotive 23

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