Investor Presentaiton

Provision for Credit Losses (PCL) By Business Segment Highlights PCL increased quarter-over-quarter, largely reflecting: - A prior quarter performing allowance release Coupled with nominal performing PCL 43: $MM and Ratios44 ■ Wholesale Corporate TD $351 $25 $49 $107 ■ U.S. Retail provisions in the current quarter ($37) ■Canadian Retail $2 $72 $23 $27 $21 $170 ($123) $100 $53 $33 $60 ($18) ($96) ($76) ($5) ($9) ($6) ($23) ($43) ($77) Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 PCL Ratio (bps) Canadian Retail 8 3 5 13 U.S. Retail (net)45 (18) (15) 4 (4) 20 U.S. Retail & Corporate (gross)46 (27) (20) 9 (5) 30 Wholesale 1 (51) (3) (6) 13 Total Bank (2) (7) 1 17 26 26

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