Consistent Earnings Growth and Digital Engagement

Provision for Credit Losses (PCL) By Business Segment Highlights Quarter-over-quarter PCL increase largely recorded in the Canadian and U.S. consumer lending portfolios PCL 52: $MM and Ratios 53 TD $617 ■Canadian Personal & Commercial Banking $229 ■ U.S. Retail $351 ■ Corporate ■Wholesale Banking $170 $225 ■Wealth Management & Insurance $72 $107 $32 $137 ($123) $27 $21 ($9) $49 $53 $23 $60 ($77) ($5) $25 $26 $1 ($23) ($18) ($6) ($76) PCL Ratio (bps) Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Canadian Personal & 4 3 5 13 17 Commercial Banking U.S. Retail (net)54 (15) 4 (4) 20 40 U.S. Retail & Corporate (gross)55 (20) (5) 30 64 Wholesale Banking (51) (3) (6) 13 Total Bank (7) 1 37 17 29 22 12 27 27

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