Financial Performance and Outlook

Allowance for Credit Losses (ACL) ACL1: $B and Coverage Ratios² 124 126 122 108 103 103 97 93 87 85 86 87 86 87 89 bps 74 $9.2 $9.4 $8.9 $7.9 $8.0 $7.7 ■ United States $7.3 $7.1 $6.9 $6.9 $7.4 $7.5 $7.6 $7.8 $8.2 ■Canada 59% 60% 59% $5.3 62% 58% 58% 57% 57% 57% 57% 59% 57% 58% 57% 57% 61% 38% 39% 41% 40% 41% 42% 42% 43% 43% 43% 43% 41% 43% 42% 43% 43% Highlights ■ ACL increased $415 million quarter-over-quarter, related to: - A $214 million impact from foreign exchange, Current credit conditions, including: Some credit migration Volume growth Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 ACL1 by Asset Type: $B ■Q3/23 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 ■Q4/23 3 U.S. Strategic Card Partners' Share $3.2 $3.3 $2.4 $2.6 $1.8 $1.9 $0.4 $0.4 $0.9 $1.0 Residential Mortgages Performing ($B) 0.32 0.35 Impaired ($B) 0.06 0.06 Ratio² (bps) 12 13 85 Consumer instalment and other personal 1.6 1.7 0.2 0.2 87 Credit Card Business & Government Total 4 2.2 2.3 0.3 647 667 2.7 2.8 6.8 7.2 0.3 0.5 0.5 1.0 1.0 94 94 96 87 89 $7.8 $8.2 $0.9 $1.0 ■ The Bank's allowance coverage remains elevated to account for ongoing uncertainty that could affect: The economic trajectory, and Credit performance 23 23 TD

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