CWBFG Annual Report 2021

2021 (% CHANGE FROM 2020)

Performance Dashboard TOTAL LOANS $ 32.9 B 9% TOTAL ASSETS $ 37.3 B 10% BRANCH-RAISED DEPOSITS (1) $ 19.3 B 16% WEALTH MANAGEMENT AUM/AUA $ 10.8 B 27%

CET1 CAPITAL RATIO 8.8 % Stable

DIVERSIFYING LOANS BY PROVINCE (%)

DIVERSIFYING LOANS BY LENDING SECTOR (%)

FUNDING DIVERSIFICATION (%)

2021

2021

2021

13% Branch demand and notice deposits 5YR CAGR

14% General Commercial Loans 5YR CAGR

18% Ontario Loans 5YR CAGR

33

44

31

1

26

36

34

1

9

23

18

19

2016

2016

2016

19

4

15

15

8

22

10

36

18

13

16

17

34

33

14

13

19

19

British Columbia Alberta Ontario Remainder

General commercial loans Commercial mortgages

Branch demand and notice Branch term Broker term Sub debt and capital markets Securitization

Personal loans and mortgages Equipment financing and leasing Real estate project loans Oil and gas production loans

PRE-TAX, PRE-PROVISON INCOME (1) $ MILLIONS

REVENUE $ MILLIONS

DILUTED EPS $/SHARE

1,200

600

4.00

3.73

1,016

517

3.50 3.00 2.50 2.00 1.50 1.00 0.50 0

1,000

500

800

400

600

300

400

200

200

100

0

0

17 18 19 20 21

17 18 19 20 21

17 18 19 20 21

(1) Non-GAAP measure – refer to definitions and detail provided on page 18.

2 | CWB Financial Group 2021 Annual Report

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