Financial Overview and Sector Exposure

APPENDIX 15 | RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (SMM, except EPS) Q1 22 Total Revenues Non- Income Interest Before Expenses Taxes Net Income Non- controlling interest Diluted EPS Adjusted Results (1) 2,530 1,277 1,255 932 2.65 $ Taxable equivalent (64) (64) Total impact (64) (64) Reported Results 2,466 1,277 1,191 932 2.65 $ Adjusted Results (1) Taxable equivalent Impairment losses on intangible assets Total impact Reported Results Q1 21 (2) Q4 21 Total Revenues Non- Income Interest Before Expenses Taxes Net Income Non- controlling interest Diluted EPS Total Revenues Non- Income Interest Before Expenses Taxes Net Income Non- controlling interest Diluted EPS 2,281 1,180 1,020 761 2.15 $ 2,252 1,249 1,044 783 2.21 $ (57) (57) (41) (41) - 9 (9) (7) (0.02 $) (57) (57) 59 (41) 9 (50) (7) (0.02 $) 2,224 1,180 963 761 2.15 $ 2,211 1,258 994 776 2.19 $ (1) On a taxable equivalent basis and excluding specified items, which are non-GAAP financial measures. See slide 2. (2) During the fourth quarter of 2021, the Bank recorded a $9 million ($7 million after-tax) in impairment losses on intangible assets related to technology developments. The charge is reflected in "Non-interest expenses" and accounted for under the "Other" heading of segment results. Please refer to pages 20 and 21 of the Bank's 2021 Annual Report for additional information. 31

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