Financial Performance and Outlook

TD Commercial Real Estate (CRE) Commercial Real Estate Portfolio Overview: $93B Commercial & Industrial 23% Office 11% Retail 17% Other 6% MUR 31% Residential (excl. MUR) 12% $13.3B of Canadian Multi-Unit Residential (MUR) insured by Canada Mortgage and Housing Corporation (CMHC) 5-year Trailing Average Impaired PCL Rate (bps) I Highlights ■ Commercial Real Estate represents $93B or 10% of Total Bank gross loans and acceptances¹ I - - Portfolio is well diversified across geographies and sub segments 57% of CRE portfolio in Canada and 43% in the U.S. Office represents ~1% of total bank gross loans & acceptances Credit performance has been strong CRE five-year average loan losses of ~3 bps, relative to a broader Business & Government average loss rate of 12 bps ■ Current quarter impaired provisions in the U.S. Commercial CRE portfolio driven by the office sector 12 3 ■CRE ■ Business & Government 40

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