FY22 Financial Overview

Wholesale Funding Wholesale funding diversity by instrument and maturity 1,6,7 13% Senior Notes 25% Bail-inable Notes 0% Asset-Backed Securities -16% Covered Bonds Asset-Backed Commercial Paper³ 3% 29% Bearer Deposit Notes, Commercial Paper & Short-Term Certificate $292Bn 2% of Deposits 8% Mortgage Securitization4 -4% Subordinated Debt5 Deposits from Banks² TERM FUNDING MATURITY TABLE (EXCLUDING SUB DEBT AND MORTGAGE SECURITIZATION) (CANADIAN DOLLAR EQUIVALENT, $B) $41 7 $28 7 $24 $22 $21 4 9 $17 13 33 5 26 16 14 10 12 10 < 1 Year 2 Years 3 Years 4 Years 5 Years >5 Years Senior Debt ABS Covered Bonds 1 Excludes repo transactions and bankers' acceptances, which are disclosed in the contractual maturities table in the MD&A of the Interim Consolidated Financial Statements. Amounts are based on remaining term to maturity.. 2 Only includes commercial bank deposits raised by Group Treasury. 3 Excludes asset-backed commercial paper (ABCP) issued by certain ABCP conduits that are not consolidated for financial reporting purposes. 4 Represents residential mortgages funded through Canadian Federal Government agency sponsored programs. Funding accessed through such programs does not impact the funding capacity of the Bank in its own name. 5 Although subordinated debentures are a component of regulatory capital, they are included in this table in accordance with EDTF recommended disclosures. 6 As per Wholesale Funding Sources Table in MD&A, 2022 Annual Report to Shareholders. 7 May not add due to rounding. 54 54

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