Investor Presentaiton

APPENDIX 11 | REAL ESTATE AND CONSTRUCTION REAL ESTATE Total Portfolio by Sector ($27.4B) Corporate Banking (10%) (As at January 31, 2024) Primarily diversified Canadian REIT Corporate Banking 10% Commercial Banking CRE (1) 70% Short Term Construction 20% Short Term Construction (20%) Mainly residential construction No US exposure Commercial Banking CRE (70%) 59% of 5-year growth coming from Residential Insured 55% residential (75% insured) Office: No US exposure; 54% of exposure in QC Commercial Banking CRE(1) 5-year growth Commercial Banking CRE(1) by Geography ($19.1B) (As at January 31, 2024) $19.1B ■Industrial $1.3 (7%) Ontario 15% ■Other (2) $4.0 (21%) British Columbia 8% Office $7.5B $0.4 (5%) $1.7 (9%) $1.6 (8%) ■ Retail Prairies $0.8 (11%) 7% $2.6 (14%) $1.2 (16%) ■Residential Uninsured ■Residential Insured Quebec 64% Atlantic 6% $1.8 (24%) $7.9 (41%) $2.3 (31%) $1.0 (13%) Q1 2019 Q1 2024 (1) Commercial Real Estate. (2) Mainly construction phase of long-term financing; primarily residential (-2/3 insured). 29 29

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