Canadian Real Estate Secured Lending Portfolio Highlights

Canadian Retail Strong revenue growth supported by continued volume momentum Net income up 2% YoY Revenue up 9% YoY ■ Volume growth, prior year premium rebates in insurance and higher fee-based revenue in banking and wealth businesses, partially offset by lower transaction revenue in wealth Loan volumes up 9% Deposit volumes up 8% Wealth assets 35 up 4% NIM7,35 of 2.62% Up 9 bps QoQ: higher margin on deposits reflecting rising interest rate environment Up 1 bp YoY: higher margin on deposits reflecting rising interest rate environment, partially offset by lower loan margins PCL of $60MM Expenses up 9% YoY P&L ($MM) Reported Revenue PCL TD Q2/22 QoQ YOY 6,623 (1%) 9% 60 +$27 +$97 Impaired 163 +$13 ($28) Performing (103) +$14 +$125 Insurance Claims 592 (22%) 34% Expenses 2,932 2% 9% Net Income 2,236 (1%) 2% ROE7 44.6% -20 bps -670 bps Earnings ($MM) $2,182 $2,125 $2,137 $2,254 $2,236 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Higher spend on business growth, higher employee-related expenses and variable compensation Efficiency ratio of 44.3% 20 20

View entire presentation