Investor Presentaiton

Q3/22 Financial Highlights Adjusted Net Income ($MM)(1)(4) Net Income ($MM) Adjusted PTPP Income ($MM)(1)(4) -2% YOY -10% YOY +6% YoY $ 59.0 $ 61.6 $ 58.2 $ 62.1 $ 59.5 90.3 $ 55.9 85.5 80.5 Q3/21 Q2/22 Q3/22 Q3/21 Q2/22 Q3/22 Q3/21 Q2/22 Q3/22 Diluted EPS -11% YOY PCL (bps)(3)(4) +11bps YoY 18 15 $ 1.34 $ 1.32 7 $ 1.18 $ 1.24 Strong commercial loan growth Prudent and disciplined approach to credit Sustained year-over- year improvement in efficiency ratio Healthy liquidity Adjusted Diluted EPS (2)(4) $ 1.25 -1% YOY $ 1.39 Q3/21 Q2/22 Q3/22 Adjusted Efficiency Ratio(2)(4) -130bps YoY 68.4% 67.1% 65.2% Seeing beyond numbers." Voir au-delà des chiffres." Q3/21 Q2/22 Q3/22 Efficiency Ratio(3)(4) Q3/21 Q2/22 Q3/22 CET1 Capital Ratio(5) -120bps YoY +150bps YoY 68.3% 10.3% 66.8% 66.3% 9.3% 9.1% Q3/21 Q2/22 Q3/22 Q3/21 Q2/22 Q3/22 Q3/21 Q2/22 Q3/22 (1) This is a non-GAAP financial measure (2) This is a non-GAAP ratio (3) This is a supplementary financial measure (4) For more information, refer to the Non-GAAP Financial and Other Measures section beginning on page 5 of the Third Quarter 2022 Report to Shareholders, including the MD&A as at and for the period ended July 31, 2022 (5) In accordance with OSFI's "Capital Adequacy Requirements" guideline LO 5

View entire presentation