Consistent Earnings Growth and Digital Engagement

TD Quarterly Portfolio Volumes ($B) $334 $340 $348 $357 $360 Canadian Real Estate Secured Lending Portfolio Highlights (Q4 2022) Canadian RESL credit quality remained strong ☐ Uninsured average Bureau score 121 of 793 ■ Uninsured ■Insured 77% 78% 79% 80% 80% ■ 45% variable interest rate, of which 27% Mortgage and 18% HELOC ■ ~10% of RESL portfolio renewing 122 in the next 12 months Key origination metrics comparable or better than pre-pandemic ■ Less than 1% of the RESL portfolio is uninsured, has a bureau score of 650 or lower and LTV greater than 75% 91% of RESL portfolio is amortizing ■ 72% of HELOC portfolio is amortizing Condo and Investor 123 RESL credit quality consistent with broader portfolio ■ Condo RESL represents ~15% of RESL outstanding with 23% insured ■ Hi-rise condo construction loans are ~1% of the Canadian Commercial portfolio ■ Investor RESL represents ~10% of RESL outstanding 23% 22% 21% 20% 20% Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Canadian RESL Portfolio - Current Loan to Value (%) 118 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Uninsured Insured 49 49 48 47 49 48 48 47 45 47 Regional Breakdown 120 ($B) ■Insured $195 Uninsured 86% $72 $52 $360B $9 $32 86% 59% 66% 74% 34% 14% 14% 41% 26% Atlantic BC Ontario Prairies Quebec 2% 20% 54% 15% 9% % of RESL Portfolio 62 62

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