Wholesale Banking - Positioned for Growth slide image

Wholesale Banking - Positioned for Growth

Endnotes on Slides 23-26 Slide 23 1. U.S. HELOC includes Home Equity Lines of Credit and Home Equity Loans. 2. Includes acquired credit impaired loans and loans booked in the Corporate segment. 3. Includes loans measured at fair value through other comprehensive income. Slide 24 1. Includes acquired credit impaired (ACI) loans. TD 2. PCL Ratio: Provision for Credit Losses on a quarterly annualized basis/Average Net Loans & Acceptances. 3. 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. 4. 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. Slide 25 1. Please refer to Slide 24, Endnote 1. 2. Coverage Ratio: Total allowance for credit losses as a % of gross loans and acceptances. 3. U.S. Strategic Cards Partners' Share represents the retailer program partners' share of the U.S. Strategic Cards Portfolio ACL. 4. Consumer instalment and other personal includes the HELOC, Indirect Auto and Other Personal portfolios. Slide 26 1. See slide 7. 2. See Slide 29. 3. Please refer to Slide 3, Endnote 3. 4. See Slide 41. 77
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