Wholesale Banking - Positioned for Growth

Canadian Real Estate Secured Lending Portfolio Quarterly Portfolio Volumes ($B) TD $360 $359 $363 $374 $381 ■ Uninsured ■Insured 80% 81% 81% 82% 83% 20% 19% 19% 18% 17% Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Canadian RESL Portfolio – Current Loan to Value (%)1 Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Uninsured Insured 49 51 53 52 50 47 50 51 51 50 Regional Breakdown² ($B) $208 -$381B Uninsured $77 88% ■Insured $53 $9 88% 61% 70% $34 77% 30% 12% 12% 39% 23% Atlantic BC Ontario 2% 20% 55% Prairies 14% Quebec 9% % of RESL Highlights Canadian RESL credit quality remained strong Uninsured average Bureau score³ of 792, stable quarter-over-quarter ■ Less than 1% of the RESL portfolio is uninsured, has a bureau score of 650 or lower and LTV greater than 75% 37% variable interest rate, of which 21% Mortgage and 16% HELOC ~13% of RESL portfolio renewing4 in the next 12 months 92% of RESL portfolio is amortizing5 ■ 74% of HELOC portfolio is amortizing Condo and Investor6 RESL credit quality consistent with broader portfolio Condo RESL represents -15% of RESL outstanding with 21% insured ■ Investor RESL represents ~10% of RESL outstanding Portfolio 61

View entire presentation