Embracing Fintech

Deposit Overview Continued growth both personal and non-personal deposits PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) $254 $247 $245 $244 • $237 $248 $244 $244 $225 $241 • $221 $226 $222 3Y CAGR 5.2% • Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 NON-PERSONAL DEPOSITS1 (AVERAGE BALANCES, $Bn) $327 $280 $266 $331 $278 $296 $338 Q3/21 Q4/21 $351 $360 $350 $354 Q1/22 $363 Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q2/22 Q3/22 $376 • PERSONAL DEPOSITS Important for both relationship purposes and regulatory value Initiatives are in place to drive deposit growth and retention Strong Q/Q growth in Canadian Banking deposits NON-PERSONAL DEPOSITS Leveraging relationships to grow deposits with favourable regulatory value 3Y CAGR 11.0% Strong Q/Q growth in Canadian Banking and Global Banking and Markets deposits 1 Calculated as the sum of the average balances of the four business-line personal and non-personal deposits. 52 52

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