Investor Presentaiton

Allowance for Credit Losses (ACL) ACL 43: $B and Coverage Ratios47 Highlights ACL remained stable quarter-over- quarter reflecting: Deterioration in our macroeconomic forecasts Largely offset by release of overlays previously set aside for economic uncertainty TD 124 126 122 108 103 103 97 $9.2 $9.4 93 $8.9 87 85 bps 74 $7.9 $8.0 $7.7 $7.3 $7.1 $6.9 $6.9 ■ United States 59% 60% 59% $5.3 ■ Canada 62% 58% 58% 57% 57% 57% 57% 61% 38% 39% 20 20 ୪ 20 41% 40% 41% 42% 42% 43% 43% 43% 43% ■ The Bank's allowance coverage remains elevated to account for ongoing uncertainty that could affect: ― The economic trajectory, and - Credit performance ACL43 by Asset Type: $B ■Q2/22 ■ Q3/22 48 ■U.S. Strategic Card Partners' Share $6.9 $6.9 $2.9 $2.9 $2.2 $2.2 $1.6 $1.6 $0.3 $0.3 Residential Mortgages Consumer instalment and other personal $0.8 $0.8 Credit Card $0.8 $0.8 Business & Government Total 49 Performing Impaired Ratio47 (bps) 0.21 0.21 0.05 0.05 99 1.4 1.4 2.0 2.0 2.6 2.5 6.2 6.2 0.2 0.1 0.2 0.2 0.3 0.3 0.7 0.7 81 78 690 659 101 97 87 85 27

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