Financial Performance and Outlook

Provision for Credit Losses (PCL) By Business Segment PCL1: $MM and Ratios² $878 ■Canadian Personal & Commercial Banking $766 ■ U.S. Retail $690 $390 $617 ■ Corporate $599 $379 ■Wholesale Banking $327 $229 $247 ■Wealth Management & Insurance $289 $225 $200 $190 $249 $142 $137 $131 $149 $12 $113 $26 $32 $1 $25 $57 PCL Ratio (bps) Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Canadian Personal & 17 25 19 28 28 Commercial Banking U.S. Retail (net)³ 40 34 33 41 46 U.S. Retail & Corporate (gross)4 64 57 58 60 60 69 Wholesale Banking Total Bank 29 22 12 13 32 5000 22 11 24 28 35 39 TD Highlights ■ PCL increase quarter-over- quarter, largely reflected in: - Canadian and U.S. consumer lending portfolios - Wholesale Banking 21 21

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