Consistent Earnings Growth and Digital Engagement

Canadian Personal Banking TD Highlights Continued strong asset quality in Canadian Personal Banking Canadian Personal Banking (Q4/22) Residential Mortgages Home Equity Lines of Credit (HELOC) Gross Loans ($B) GIL ($MM) GIL/Loans (%) 244.9 172 0.07 113.7 94 0.08 Indirect Auto 27.2 74 0.27 Credit Cards 17.4 87 0.50 Other Personal 11.4 43 0.38 Unsecured Lines of Credit 9.2 27 0.29 Total Canadian Personal Banking 414.6 470 0.11 Change vs. Q3/22 3.1 31 0.00 Canadian RESL Portfolio - Loan to Value by Region (%) 118, 119 Q3/22 Q4/22 Mortgage HELOC Total RESL Mortgage HELOC Total RESL Atlantic 51 39 47 54 42 50 BC 51 40 46 54 42 49 Ontario 49 38 43 52 40 46 Prairies 60 49 56 59 48 54 Quebec 55 49 52 56 50 53 Canada 52 40 46 54 42 49 61

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