Investor Presentaiton

Provision for Credit Losses (PCL) 43,107 Impaired and Performing Highlights ☐ Impaired PCLs remain at cyclically low levels - Quarter-over-quarter increase largely reflected in the U.S. consumer lending portfolios Performing PCL reflects a nominal current quarter allowance build TD PCL ($MM) Q3/21 Q2/22 Q3/22 Total Bank (37) 27 351 Impaired 242 314 340 Performing (279) (287) 11 Canadian Retail 100 60 170 Impaired 154 163 142 Performing (54) (103) 28 U.S. Retail (96) (18) 107 Impaired 63 96 135 Performing (159) (114) (28) Wholesale 2 (9) 25 25 Impaired (1) Performing 2 (8) 25 Corporate (43) (6) 49 U.S. strategic cards partners' share Impaired 25 56 33 63 Performing (68) (62) (14) 57 40

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