Investor Presentaiton

All-Bank NIM¹ Calculation All-Bank ($ millions) Average total assets² Less: Non-earning assets Average total earning assets² Q4/21 Q3/22 Q4/22 1,172,707 1,295,165 93,136 111,324 1,332,897 126,213 1,079,571 1,183,841 1,206,684 Less: Trading Assets 143,946 128,890 117,807 Securities purchased under resale agreements and securities borrowed 119,195 146,002 157,438 Other deductions 55,380 62,710 69,343 Average core earning assets² 761,050 846,239 862,096 Net Interest Income 4,217 4,676 4,622 Less: Non-core net interest income 50 (53) (122) Net interest income on core earning assets 4,167 4,729 4,744 Net interest margin 2.17% 2.22% 2.18% Refer to non-GAAP measures on page 17 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com 2 Average balances represents the average of daily balance for the period 24 24

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