Financial Performance and Outlook

Canadian Personal & Commercial Banking Volumes, Margins and Efficiency Net Interest Margin (NIM) Average Loans $B1 520 524 527 539 552 2.80% 2.78% 107 110 112 114 117 2.74% 2.74% 2.70% 413 414 415 425 436 TD Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 ■ Personal ■Business Efficiency Ratio Average Deposits $B1 438 441 440 442 447 43.1% 43.2% 42.9% 41.5% 164 162 157 158 159 40.6% 275 279 283 284 288 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 ■ Personal Business 32 32

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