PitchSend

Financial Overview and Sector Exposure

APPENDIX 8 BALANCE SHEET GROWTH - P&C Average Loans and BA's ($B) 2-Yr CAGR: +9.1% 135.4 132.3 Average Deposits ($B) 2-Yr CAGR: +11.9% 79.8 80.1 120.2 113.7 73.8 43.7 45.2 63.9 37.4 35.8 42.7 42.8 2.0 2.1 37.7 1.8 2.2 10.4 10.5 32.0 10.3 10.5 76.3 77.6 70.7 65.2 36.1 37.1 37.3 31.9 Q1 20 Q1 21 Q4 21 Q1 22 Q1 20 Q1 21 Q4 21 Q1 22 ■Mortgage loans ■Personal loans Credit cards ■Commercial ■ Personal ■Commercial CAGR CAGR QoQ YOY QoQ YoY (2-Yr) (2-Yr) Average Loan Growth 2.3% 12.6% 9.1% Average Deposit Growth 0.3% 8.5% 11.9% Mortgage loans 1.8% 9.8% 9.1% Personal 0.6% 3.3% 8.1% Commercial 0.1% 13.5% 15.6% Personal loans 0.5% 1.6% 0.1% Credit cards Commercial 5.0% 11.5% (4.1%) 3.5% 20.9% 12.3% 24

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