Consistent Earnings Growth and Digital Engagement

Gross Impaired Loan Formations By Business Segment Highlights Gross impaired loan formations increased 2 basis points quarter- over-quarter, reflecting: Some normalization of credit performance GIL Formations 112: $MM and Ratios 113 16 12 12 11 $1,187 $1/1 bp $1,006 $937 TD 14 bps $1,209 $38/4 bps $796 $654 / 29 bps $779 / 39 bps $594 / 28 bps $512/25 bps $416/21 bps $517/10 bps $380/8 bps $407 / 8 bps $425/9 bps $412/8 bps Q4/21 Q1/22 ■Canadian Personal & Commercial Banking ■Wholesale Banking 40 57 Q2/22 Q3/22 ■ U.S. Retail ■ Wealth Management & Insurance Q4/22

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