Investor Presentaiton

Q3 2022 Highlights Strong revenue performance EPS of $1.75, down 9% YoY (Adj¹7 $2.09, up 6%) Revenue up 2% YoY (Adj 17 up 8% YoY) ■ ■ Reported revenue includes the net loss from mitigation of interest rate volatility to closing capital on First Horizon acquisition 32 Margin and volume growth in personal and commercial banking businesses PCL of $351MM ■ Impaired PCL up YoY on normalization of credit performance in U.S. consumer lending portfolios Performing PCL provision reflects deterioration in macroeconomic forecasts, largely offset by release of previous overlays for economic uncertainty Expenses up 9% YoY (incl. SCP partners' share) Adjusted 17 expenses up 9.9% excl. the partners' share of SCP 33 PCL, or 8.7% excl. the partners' share of SCP33 PCL and FX33 Higher employee-related expenses and higher spend supporting business growth PCL Expenses U.S. Retail TD P&L ($MM) Reported Q3/22 QoQ YOY Revenue 10,925 (3%) 2% 351 +$324 +$388 Impaired 340 +$26 +$98 Performing 11 +$298 +$290 Expenses 6,096 1% 9% Net Income 3,214 (16%) (9%) Diluted EPS ($) 1.75 (15%) (9%) Adjusted 17 Q3/22 QoQ YOY Revenue 11,603 5% 8% 6,033 1% 8% Net Income Diluted EPS ($) 3,813 3% 5% 2.09 3% 6% Segment Earnings ($MM) Reported Q3/22 QoQ YOY Canadian Retail 2,253 1% 6% 1,442 5% 11% Wholesale 271 (25%) (18%) Corporate (752) ΝΑ NA Adjusted 17 Q3/22 QoQ YOY U.S. Retail 1,464 22% 13% Corporate (175) (122%) (43%) 20

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