Financial Performance and Outlook

U.S. Retail Volumes, Margins and Efficiency NIM1,2 Average Loans US$B³ 170 175 179 183 188 3.29% 3.25% 3.13% 87 3.07% 3.00% 00 90 93 94 95 83 85 87 89 93 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 Q4/22 Q1/23 Efficiency Ratio4 US$B³ Q2/23 Q3/23 Q4/23 ■ Personal ■ Business Average Deposits US$B³ 58.0% 378 362 57.0% 345 56.9% 334 334 54.9% 55.0% 134 123 110 103 100 112 109 105 104 106 54.5% 53.1% 52.8% 52.2% 132 130 130 127 127 Q4/22 Q1/23 Q2/23 -Reported Q3/23 Adjusted Q4/23 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23 5 ■ Personal ■Business ■IDA 33 33 TD

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