Financial Performance and Outlook

Wealth Management & Insurance Volumes and Efficiency Insurance Premiums ($MM) Average Loans $B 1,658 1,616 7.1 1,428 1,188 1,316 6.7 6.5 6.5 6.4 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 45.9% Efficiency Ratio 42.6% 42.1% 41.6% 40.7% Average Deposits $B 38.8 35.8 32.4 30.0 28.1 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 TD 36

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