Investor Presentaiton

Endnotes TD 39. FX impact on RWA has a negligible impact on the CET 1 ratio, because the CET 1 ratio is currency hedged. 40. U.S. HELOC includes Home Equity Lines of Credit and Home Equity Loans. 41. Includes acquired credit impaired loans and loans booked in the Corporate segment. 42. Includes loans measured at fair value through other comprehensive income. 43. Includes acquired credit impaired (ACI) loans. Prior periods have been restated to include ACI loans. 44. PCL Ratio: Provision for Credit Losses on a quarterly annualized basis/Average Net Loans & Acceptances. 45. Net U.S. Retail PCL ratio excludes credit losses associated with the retailer program partners' share of the U.S. Strategic Cards Portfolio, which is recorded in the Corporate Segment. 46. Gross U.S. Retail & Corporate PCL ratio includes the retailer program partners' share of the U.S. Strategic Cards Portfolio, which is recorded in the Corporate Segment. 47. Coverage Ratio: Total allowance for credit losses as a % of gross loans and acceptances. 48. U.S. Strategic Cards Partners' Share represents the retailer program partners' share of the U.S. Strategic Cards Portfolio ACL. 49. Consumer instalment and other personal includes the HELOC, Indirect Auto and Other Personal portfolios. 50. For the purpose of calculating contribution by each business segment, earnings from the Corporate segment are excluded. 51. Compound annual growth rate for the five-year period ended October 31, 2021. 52. Corporate results in 2020 include a net gain on sale of the Bank's investment in TD Ameritrade. 53. Based on quarterly dividend of $0.89 declared on May 26, 2022, annualized. 54. Total Deposits based on total of average personal, business and wealth deposits. Total Loans based on total of average personal and business loans. 55. J.D. Power 2022 Canada Dealer Financing Satisfaction Study of dealers' satisfaction. For more information about the Canada Dealer Financing Satisfaction Study, visit https://canada.jdpower.com/financial-services/canada-dealer-financing-satisfaction-study. 56. Source: Comscore Mobile Metrix®, Financial Services – Banking (Mobile Apps), Total Audience, 3-month average ending March 2022, Canada. 57. Source: Comscore MMX® Multi-Platform, Financial Services - Banking, Total audience, 3-month average ending March 2022, Canada, United States, Spain, France and UK. 69

View entire presentation