Q1 2022 Financial Performance

Automotive Finance • Canada's leader in automotive finance • Provide personal and commercial dealer financing solutions, in partnership with nine leading global automotive manufacturers in Canada • Portfolio decreased 0.5% year-over-year¹. Personal up 2.5%, Commercial down 28.5% Commercial 9% 7% Near-Prime Retail AVERAGE ASSET MIX $43.1Bn1,2,3 100% Secured 84% Prime Retail Exclusive Relationships MAZDA VOLVO POLESTAR RIVIAN JAGUAR/LAND ROVER Semi-Exclusive Relationships* HYUNDAI CHRYSLER GENERAL MOTORS TESLA * 1 to 2 other financial institutions comprise Semi-Exclusive relationships Market Share Prime Retail Market Share³ Near-Prime Retail Market Share4 Commercial Floorplan Market Share5 Asset Growth 36% 64% 83% 17% 74% 26% ૭ $43.5Bn $44.4Bn $43.2Bn $42.3Bn $39.7Bn $37.1Bn 2016 2017 2018 2019 2020 2021 1 For the three months ended January 31, 2022; 2 May not add due to rounding; 3 Net of allowance for credit losses; 4 CBA data as of October 2021, includes RBC, BMO, TD, Scotiabank, CIBC, National Bank, Laurentian Bank, Canadian Western Bank, HSBC Canada; 5 Dealer Track Portal data, includes all Near-Prime Retail providers on Dealer Track Portal, data for January 2022 originations; Includes BMO, CIBC, RBC, Scotiabank, TD, HSBC, Canadian Western Bank, Laurentian Bank, data as of June 2021 25

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