Fiscal 2023 Financial Performance

Retail 90+ Days Past Due Loans¹,2 CANADA³ Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Mortgages 0.12% 0.10% 0.09% 0.09% 0.11% 0.12% 0.14% 0.16% Personal Loans 0.44% 0.40% 0.42% 0.49% 0.56% 0.58% 0.63% 0.69% Credit Cards 0.69% 0.69% 0.65% 0.72% 0.70% 0.71% 0.61% 0.70% Secured and 0.17% 0.18% 0.16% 0.17% 0.20% 0.25% 0.22% 0.29% Unsecured Lines of Credit Total 0.17% 0.15% 0.15% 0.15% 0.18% 0.20% 0.22% 0.25% INTERNATIONAL Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Mortgages 2.20% 2.14% 2.16% 2.21% 2.20% 2.24% 2.33% 2.39% Personal Loans 3.33% 3.05% 3.03% 3.14% 3.41% 3.50% 3.60% 3.78% Credit Cards 1.88% 1.73% 1.99% 2.32% 2.37% 2.75% 2.79% 2.95% Total 2.42% 2.30% 2.34% 2.42% 2.47% 2.56% 2.64% 2.74% 1 Defined as: loan balance that is 90+ days past due, divided by the total loan balance, on a spot basis 2 Does not reflect impact of payment deferral programs 3 Includes Wealth Management 38

View entire presentation