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Investor Presentaiton

APPENDIX 1 | Q1 2024 - TOTAL BANK RESULTS Total Bank Summary Results - Q1 2024 ($MM) Adjusted Results (1) Q1 24 Q4 23 Q1 23 QoQ YoY Revenues 2,820 2,725 ■ Diluted EPS of $2.59 2,692 3% 5% Non-Interest Expenses 1,449 1,461 1,390 (1%) 4% Pre-Tax / Pre-Provisions (2) 1,371 1,264 1,302 8% 5% ■ Positive operating leverage PCL 120 115 86 Net Income 922 850 900 8% CET1 ratio of 13.1% 2% Diluted EPS $2.59 $2.39 $2.54 8% 2% Operating Leverage (3) 0.6% - ROE of 17.1% Efficiency Ratio (3) 51.4% 53.6% 51.6% (220bps) (20bps) Return on Equity (3) 17.1% 16.0% 18.4% Reported Results Q1 24 Q4 23 Q1 23 QoQ YoY Revenues 2,710 2,560 2,562 6% 6% Non-Interest Expenses 1,449 1,597 1,390 (9%) 4% Pre-Tax/Pre-Provisions (2) 1,261 963 1,172 31% 8% PCL 120 115 86 Net Income 922 751 876 23% 5% Diluted EPS $2.59 $2.09 $2.47 24% 5% Operating Leverage (3) 1.6% Return on Equity (3) 17.1% 14.1% 17.9% Key Metrics Q1 24 Q4 23 Q1 23 QoQ YOY Avg Loans & BAs - Total 228,161 222,366 209,699 3% 9% CET1 Ratio (3) 13.1% 13.5% 12.6% (1) On a taxable equivalent basis, and excluding specified items when applicable, which are non-GAAP financial measures. See slides 2 and 32. (2) Pre-Tax Pre-Provision earnings (PTPP) refers to Income before provisions for credit losses and income taxes. (3) For supplementary financial measures, non-GAAP ratios and capital management measures, see slide 2. 19
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