Investor Presentaiton

APPENDIX 3 | WEALTH MANAGEMENT Wealth Management Summary Results - Q1 2024 ($MM) Adjusted Results (1) Q1 24 Q4 23 Q1 23 QoQ YOY Revenues 660 638 637 3% 4% Fee-Based 375 371 347 1% 8% Transaction & Others 87 79 82 10% 6% Net Interest Income 198 188 208 5% (5%) Non-Interest Expenses 390 380 364 3% 7% Pre-Tax / Pre-Provisions 270 258 273 5% (1%) Net Income 196 187 198 5% (1%) Efficiency Ratio (3) 59.1% 59.6% 57.1% (50bps) 200bps Reported Results Q1 24 Q4 23 Q1 23 QoQ YoY Revenues 660 638 637 3% 4% Non-Interest Expenses 390 423 364 (8%) 7% Pre-Tax/Pre-Provisions 270 215 273 26% (1%) Net Income 196 155 198 26% (1%) Efficiency Ratio 59.1% 66.3% 57.1% (720bps) 200bps Key Metrics ($B) Q1 24 Q4 23 Q1 23 QoQ YoY Avg Loans & BAS 7.7 7.5 7.5 3% 2% Avg Deposits 41.2 40.3 40.2 2% 2% Assets Under Administration (2) ($B) 653 +9% YoY 52 712 7 653 Q1 23 Net Sales Market Q1 24 ■ Record revenues of $660MM, up 4% YoY - Continued momentum in fee-based revenues, driven by strong asset growth, primarily from strong market performance NII of $198MM, up 5% QoQ, benefiting from strong deposit base ■ Q1 efficiency ratio < 60% Expense growth mainly driven by higher variable compensation (in line with strong fee- based revenue growth) and technology investments Assets Under Management (2) +9% QoQ 59 ($B) 5 +11% YoY 8 +10% QoQ 9 3 133 712 133 120 121 Q4 23 Net Sales Market Q1 24 Q1 23 Net sales Market Q1 24 Q4 23 Net Sales Market Q1 24 21 (1) Excluding specified items when applicable, which are non-GAAP financial measures. See slides 2 and 32. (2) This is a non-GAAP measure. See slide 2. (3) Represents a supplementary financial measure. See slide 2.

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