Consistent Earnings Growth and Digital Engagement

Gross Impaired Loans (GIL) By Business Segment Highlights Gross impaired loans were stable quarter-over-quarter, remaining at cyclically low levels GIL 114: $MM and Ratios 115 32 33 TD 30 30 29 bps 28 $2,411 $2,560 $3/3 bps $2,397 $2/2 bps $3/3 bps $2,332 $3/4 bps $7/ $12/ 1 bp 2 bps $7/ 1 bp $7/ 1 bp $1,469/ 74 bps $1,621/ 80 bps $1,488/ 71 bps $1,475/ 69 bps $2,503 $3/4 bps $1,523/ 65 bps $931 / $928/ 19 bps $929 / 19 bps $899 / 18 bps $847 / 18 bps 16 bps Q4/21 Q1/22 Q2/22 Q3/22 ■ U.S. Retail ■Canadian Personal & Commercial Banking ■Wholesale Banking 58 Q4/22 ■Wealth Management & Insurance $46/ 5 bps

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