Consistent Earnings Growth and Digital Engagement

Credit Quality Net impaired loans as a % of net loans and acceptances (bps) Provision for credit losses as a % of net average loans and acceptances (bps) 100 Net impaired loans and PCL ratios (bps) 156 56 52 52 50 50 48 46 46 38 41 34 37 34 34 43 39 38 45 39 39 TD 32 34 37 33 Q4 2022 29 24 24 45 25 20 20 22 22 + 1 17 IFRS IFRS 9 116 -3 Q4 2022 20 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 59

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