CWBFG Annual Report 2023

Strategic priorities With a proven business model, performance-driven teams, and client-focused culture, we believe our strategic investments will accelerate growth of full-service client relationships, position CWB as a destination for top talent and meaningfully expand returns for our investors. Investment priorities within our strategic direction will enhance our ability to:

Deliver elevated wealth management and personal banking for business owners and their families.

Continue to augment our digital and payments platform and cash management tools for clients.

Streamline our operating model and processes for greater efficiency and faster turnaround to clients.

Expand our addressable market across Canada, including further market penetration in Ontario.

Continue to grow and diversify funding with low- cost branch-raised deposits.

Optimize capital allocation to deliver strong, sustainable risk- adjusted returns.

WHY INVEST IN CWB?

We are the only full-service bank in Canada with a focus to create an unrivalled experience for business owners and their families.

Significant opportunity to continue to grow our market share in an underserved midmarket commercial segment and in Ontario.

Prudent risk management supports a strong and resilient balance sheet.

Demonstrated history of strong, stable financial

results through business cycles.

2 | CWB Financial Group 2023 Annual Report

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