Financial Performance and Outlook

U.S. Commercial Banking U.S. Commercial Banking1 (Q4/23) In USD unless otherwise specified Commercial Real Estate (CRE) Non-residential Real Estate Gross Loans/ BAS ($B) GIL ($MM) GIL/Loans (%) 28.0 221 0.79 19.5 163 0.84 Residential Real Estate 8.5 58 0.68 Commercial & Industrial (C&I) 67.2 154 0.23 Total U.S. Commercial Banking (USD) 95.2 376 0.39 Change vs. Q3/23 (USD) 0.1 101 0.10 Foreign Exchange 36.9 143 n/a Total U.S. Commercial Banking (CAD) 132.1 519 0.39 Highlights ■ Gross impaired loans increased quarter-over- quarter, driven by the commercial real estate portfolio TD Commercial Real Estate Commercial & Industrial Gross Loans/ BAS (US$B) GIL (US$MM) Gross Loans/ BAS (US$B) GIL (US$MM) Office 4.2 134 Health & Social Services 11.4 29 Retail 5.3 27 Apartments 7.6 55 Residential for Sale 0.1 Professional & Other Services Consumer² Industrial/Manufacturing³ 8.5 23 6.2 23 6.7 54 Industrial 2.3 Government/PSE 12.0 2 - Hotel 0.6 Commercial Land 0.2 - 1 Financial Automotive 8.0 1 3.8 2 Other 7.7 4 Other4 10.6 21 Total CRE 28.0 221 Total C&I 67.2 155 45

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