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DESJARDINS GROUP ANNEX TO UNAUDITED COMBINED FINANCIAL STATEMENTS AS AT MARCH 31, 2021 COVERAGE RATIOS

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DESJARDINS GROUP

ANNEX TO UNAUDITED COMBINED FINANCIAL STATEMENTS AS AT MARCH 31, 2021

COVERAGE RATIOS

The following financial ratio is calculated for the twelve-month period ended March 31, 2021 and is based on the unaudited combined financial statements of Desjardins Group.

 Interest coverage on subordinated notes ... 71.10 The following financial ratios are calculated for the twelve-month period ended March 31, 2021 and are based on the unaudited combined financial statements of Desjardins Group.

 Combined Ratio of Earnings to Fixed Charges excluding interest on deposits ... 43.70

 Combined Ratio of Earnings to Fixed Charges including interest on deposits ... 3.00

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