Toronto-Dominion Bank

Conclusion Our ongoing share buy-back and the dividend increase announced today reflect our confidence in TD s growth and earnings power, added Chun.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Examples of non-GAAP ratios include adjusted net interest margin, adjusted basic and diluted earnings per share (EPS), adjusted dividend payout ratio, adjusted efficiency ratio, net of ISE, and adjusted effective income tax rate.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Investment in The Charles Schwab Corporation ( Schwab ) and Insured Deposit Account (IDA) Agreement On February 12, 2025, the Bank sold its entire remaining equity investment in Schwab through a registered offering and share repurchase by Schwab.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Net interest income within Wholesale Banking is calculated on a taxable equivalent basis (TEB), which means that the value of non-taxable or tax-exempt income, including certain dividends, is adjusted to its equivalent pre-tax value.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Impact from the terminated First Horizon Corporation (FHN) acquisition-related capital hedging strategy of $43 million ($33 million after tax or 2 cents per share), compared with $47 million ($35 million after tax or 2 cents per share) in the second quarter last year.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

strategic cards portfolio of $197 million ($147 million after tax or 9 cents per share).

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

We also continue to make consistent progress on our AML remediation and enhancements, which remain our top priority," said Raymond Chun, Group President and CEO, TD Bank Group.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Canadian Business Banking maintained its momentum this quarter as continued progress on distribution expansion contributed to strong loan growth and earnings.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

4 12 Discussion of capital planning within a more general discussion of management s strategic planning.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

By their very nature, these forward-looking statements require the Bank to make assumptions and are subject to inherent risks and uncertainties, general and specific.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Especially in light of the uncertainty related to the physical, financial, economic, political, and regulatory environments, such risks and uncertainties many of which are beyond the Bank s control and the effects of which can be difficult to predict may cause actual results to differ materially from the expectations expressed in the forward-looking statements.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

Examples of such risk factors include general business and economic conditions in the regions in which the Bank operates; geopolitical risk (including policy, trade and tax-related risks and the potential impact of any new or elevated tariffs or any retaliatory tariffs); inflation, interest rates and recession uncertainty; regulatory oversight and compliance risk; risks associated with the Bank s ability to satisfy the terms of the global resolution of the investigations into the Bank s U.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

The Bank cautions that the preceding list is not exhaustive of all possible risk factors and other factors could also adversely affect the Bank s results.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

All such factors, as well as other uncertainties and potential events, and the inherent uncertainty of forward-looking statements, should be considered carefully when making decisions with respect to the Bank.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026

BSA/AML remediation program plan, which is subject to inherent risks and uncertainties including the Bank s ability to attract and retain key employees, the ability of third parties to deliver on their contractual obligations, the successful development and implementation of required technology solutions, and data availability to complete the required lookback reviews.

SEC original ↗Toronto-Dominion Bank — Earnings release (6-K exhibit)EX-99May 28, 2026