Financial Performance and Outlook

TD 600 Proven Business Model Customer Activity Canadian Personal and Commercial Banking Average Volumes ($B) 2 Year CAGR² U.S. Retail Average Volumes (US$B)1 Global Wealth Assets² ($B) 8% | 300 3% 2 Year CAGR 1,200 2 Year CAGR -2% I | 500 -1% 117 250 1,000 107 I 400 94 167 164 413 436 159 I 200 112 112 7% 106 800 594 563 581 I | 300 383 150 95 600 87 87 200 275 288 254 | 100 126 132 127 400 100 50 76 83 93 200 477 442 451 Q4-21 Personal Loans Q4-22 Q4-23 Personal Deposits Business Loans and Acceptances Business Deposits Canadian Cards Spend Trends4 (YoY % Change) 30% I 20% 10% 0% Q2-21 Q3-21 Q4-21 Debit Spend Q1-22 Q2-22 Q3-22 Q4-22 Q1'23 Q2'23 Q3'23 Credit Spend Q4'23 Q4-21 Q4-22 Q4-23 ■Personal Loans Business Loans and Acceptances Personal Deposits Business Deposits U.S. Business Banking Line of Credit Utilization Rate (%) 40% 35% 1 30% 1 25% I I 20% 15% Q4'21 Q1'22 Q2'22 Q3'22 Q4'22 Utilization Rate Q1'23 Q2'23 Q3'23 Q4'23 I Q4-21 Q4-22 Q4-23 .3 AUM AUA³ TD Direct Investing Average Trades per Day5 (% Change) I I 20% I I 0% I I I 1 -20% I -40% Q4-21 Q1-22 Q2-22 Q3-22 YoY Change Q4-22 Q1-23 Q2-23 Q3-23 QoQ Change Q4-23 5 I I 1 I I I T

View entire presentation