Segmented Information	9 Months Ended
Jul. 31, 2026
Segmented Information [abstract]
Segmented Information	NOTE 18: SEGMENTED INFORMATION For management reporting purposes, the Bank reports its results from business operations and activities under four key business segments: Canadian Personal and Commercial Banking, U.S. Banking, Wealth Management and Insurance, and Wholesale Banking. The Bank’s other activities are grouped into the Corporate segment. Effective the first quarter of 2026, the Bank renamed its U.S. Retail segment to U.S. Banking to better reflect the segment’s financial products and services. Canadian Personal and Commercial Banking provides financial products and services to personal, small business and commercial customers, and includes TD Auto Finance Canada. U.S. Banking is comprised of personal and business banking in the U.S., TD Auto Finance U.S., and the U.S. wealth business. Effective the first quarter of 2026, non-interest income within U.S. Banking is adjusted for the Bank’s share of losses from community-based tax-advantaged investments accounted for using the equity method which are reclassified to provision for income taxes. The adjustment for the three and nine months ended July 31, 2026 was $ 185 million (US$ 132 million) and $ 548 million (US$ 395 million), respectively (three and nine months ended July 31, 2025 – $ 165 million (US$ 120 million) and $ 490 million (US$ 349 million), respectively). Comparative amounts have been reclassified to conform with the presentation adopted in the first quarter of 2026. On February 12, 2025, the Bank sold its entire remaining equity investment in Schwab. Prior to the sale, the Bank’s investment in Schwab was reported in the U.S. Banking segment, refer to Note 7 for further details. Wealth Management and Insurance includes the Canadian wealth business which provides investment products and services to institutional and retail investors, and the insurance business which provides property and casualty insurance, as well as life and health insurance products to customers across Canada. Wholesale Banking provides a wide range of capital markets, investment banking, and corporate banking products and services, including underwriting and distribution of new debt and equity issues, providing advice on strategic acquisitions and divestitures, and meeting the daily trading, funding, and investment needs of the Bank’s clients. The Corporate segment includes the effects of certain asset securitization programs, treasury management, elimination of taxable equivalent adjustments and other management reclassifications, corporate level tax items, and residual unallocated revenue and expenses. The following table summarizes the segment results for the three and nine months ended July 31, 2026 and July 31, 2025. Results by Business Segment 1 (millions of Canadian dollars) Canadian Wealth Personal and Management Commercial Banking U.S. Banking and Insurance Wholesale Banking 2 Corporate 2 Total For the three months ended July 31 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 Net interest income (loss) $ 4,528 $ 4,239 $ 3,352 $ 3,101 $ 466 $ 373 $ 270 $ 110 $ 680 $ 703 $ 9,296 $ 8,526 Non-interest income (loss) 989 1,002 814 541 3,619 3,300 2,311 1,953 (144) (25) 7,589 6,771 Total revenue 5,517 5,241 4,166 3,642 4,085 3,673 2,581 2,063 536 678 16,885 15,297 Provision for (recovery of) credit losses 478 463 317 317 – – 41 71 81 120 917 971 Insurance service expenses – – – – 1,646 1,563 – – – – 1,646 1,563 Non-interest expenses 2,131 2,066 2,554 2,381 1,296 1,155 1,594 1,493 900 1,427 8,475 8,522 Income (loss) before income taxes and share of net income from investment in Schwab 2,908 2,712 1,295 944 1,143 955 946 499 (445) (869) 5,847 4,241 Provision for (recovery of) income taxes 813 759 221 184 302 252 203 101 (307) (391) 1,232 905 Share of net income from investment in Schwab 3,4 – – – – – – – – – – – – Net income (loss) $ 2,095 $ 1,953 $ 1,074 $ 760 $ 841 $ 703 $ 743 $ 398 $ (138) $ (478) $ 4,615 $ 3,336 For the nine months ended July 31 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 2026 2025 Net interest income (loss) $ 13,211 $ 12,397 $ 9,844 $ 9,203 $ 1,295 $ 1,104 $ 471 $ 48 $ 2,125 $ 1,765 $ 26,946 $ 24,517 Non-interest income (loss) 2,983 2,984 2,191 139 10,474 9,670 6,973 6,144 (300) 8,829 22,321 27,766 Total revenue 16,194 15,381 12,035 9,342 11,769 10,774 7,444 6,192 1,825 10,594 49,267 52,283 Provision for (recovery of) credit losses 1,412 1,606 954 1,210 – – 291 266 300 442 2,957 3,524 Insurance service expenses – – – – 4,666 4,487 – – – – 4,666 4,487 Non-interest expenses 6,366 6,204 7,498 7,099 3,803 3,459 4,666 4,489 3,267 3,480 25,600 24,731 Income (loss) before income taxes and share of net income from investment in Schwab 8,416 7,571 3,583 1,033 3,300 2,828 2,487 1,437 (1,742) 6,672 16,044 19,541 Provision for (recovery of) income taxes 2,352 2,119 656 88 865 738 571 321 (1,309) (678) 3,135 2,588 Share of net income from investment in Schwab 3,4 – – – 277 – – – – – 28 – 305 Net income (loss) $ 6,064 $ 5,452 $ 2,927 $ 1,222 $ 2,435 $ 2,090 $ 1,916 $ 1,116 $ (433) $ 7,378 $ 12,909 $ 17,258 The retailer program partners’ share of revenues and credit losses is presented in the Corporate segment, with an offsetting amount (representing the partners’ net share) recorded in non-interest expenses, resulting in no impact to Corporate reported net income (loss). Net income (loss) included in the U.S. Banking segment includes only the portion of revenue and credit losses attributable to the Bank under the agreements. 2 Net interest income within Wholesale Banking is calculated on a taxable equivalent basis (TEB). The TEB adjustment reflected in Wholesale Banking is reversed in the Corporate segment. 3 The after-tax amount for amortization of acquired intangibles was recorded in the Corporate segment. 4 The Bank’s share of Schwab’s earnings was reported with a one-month lag. Refer to Note 7 for further details. Total Assets by Business Segment (millions of Canadian dollars) Canadian Wealth Personal and Management Wholesale Commercial Banking U.S. Banking and Insurance Banking Corporate Total As at July 31, 2026 Total assets $ 635,303 $ 521,446 $ 28,900 $ 768,679 $ 157,533 $ 2,111,861 As at October 31, 2025 Total assets $ 616,115 $ 530,729 $ 25,231 $ 754,391 $ 168,092 $ 2,094,558

For management reporting purposes, the Bank

reports its results from business operations

and activities under four key business

segments:

Canadian Personal

and Commercial Banking, U.S. Banking,

Wealth Management and Insurance, and Wholesale

Banking. The Bank’s other activities are grouped

into the Corporate

segment. Effective the first quarter of 2026, the

Bank renamed its U.S. Retail segment to

U.S. Banking to better reflect the segment’s financial

products and

services.

Canadian Personal and Commercial

Banking provides financial products and services

to personal, small business and commercial

customers, and includes

TD Auto Finance Canada. U.S. Banking is

comprised of personal and business banking

in the U.S., TD Auto Finance U.S., and the

U.S. wealth business.

Effective

the first quarter of 2026, non-interest income

within U.S. Banking is adjusted for the Bank’s

share of losses from community-based

tax-advantaged investments

accounted for using the equity method

which are reclassified to provision for income

taxes. The adjustment for the three and nine

months ended July 31, 2026 was

185

million (US$

132

million) and $

548

million (US$

395

million), respectively (three and nine

months ended July 31, 2025 – $

165

million (US$

120

million) and

490

million (US$

349

million), respectively). Comparative amounts

have been reclassified to conform

with the presentation adopted in the first

quarter of 2026. On

February 12, 2025, the Bank sold its entire remaining

equity investment in Schwab.

Prior to the sale, the Bank’s investment in Schwab

was reported in the U.S.

Banking segment,

refer to Note 7 for further details.

Wealth Management and Insurance includes the

Canadian wealth business which provides investment

products and services to institutional and retail

investors, and the insurance business which

provides property and casualty insurance,

as well as life and health

insurance products to customers across

Canada. Wholesale Banking provides a wide

range of capital markets, investment banking,

and corporate banking

products and services,

including underwriting and distribution

of new debt and equity issues, providing

advice on strategic acquisitions and divestitures,

and

meeting the daily trading, funding, and investment

needs of the Bank’s clients. The Corporate

segment includes the effects of certain asset securitization

programs, treasury management, elimination

of taxable equivalent adjustments and other

management reclassifications, corporate level

tax items, and residual

unallocated revenue and expenses.

The following table summarizes the segment

results for the three and nine months ended

July 31, 2026 and July 31, 2025.

Results by Business Segment

(millions of Canadian dollars)

Canadian

Wealth

Personal and

Management

Commercial Banking

U.S. Banking

and Insurance

Wholesale Banking

Corporate

Total

For the three months ended July 31

2026

2025

2026

2025

2026

2025

2026

2025

2026

2025

2026

2025

Net interest income (loss)

4,528

4,239

3,352

3,101

466

373

270

110

680

703

9,296

8,526

Non-interest income (loss)

989

1,002

814

541

3,619

3,300

2,311

1,953

(144)

(25)

7,589

6,771

Total revenue

5,517

5,241

4,166

3,642

4,085

3,673

2,581

2,063

536

678

16,885

15,297

Provision for (recovery of)

credit losses

478

463

317

–

120

917

971

Insurance service expenses

–

1,646

1,563

–

1,646

1,563

Non-interest expenses

2,131

2,066

2,554

2,381

1,296

1,155

1,594

1,493

900

1,427

8,475

8,522

Income (loss) before income taxes

and share of net income from

investment in Schwab

2,908

2,712

1,295

944

1,143

955

946

499

(445)

(869)

5,847

4,241

Provision for (recovery of)

income taxes

813

759

221

184

302

252

203

101

(307)

(391)

1,232

905

Share of net income from

investment in Schwab

3,4

–

Net income (loss)

2,095

1,953

1,074

760

841

703

743

398

(138)

(478)

4,615

3,336

For the nine months ended July 31

2026

2025

2026

2025

2026

2025

2026

2025

2026

2025

2026

2025

Net interest income (loss)

13,211

12,397

9,844

9,203

1,295

1,104

471

2,125

1,765

26,946

24,517

Non-interest income (loss)

2,983

2,984

2,191

139

10,474

9,670

6,973

6,144

(300)

8,829

22,321

27,766

Total revenue

16,194

15,381

12,035

9,342

11,769

10,774

7,444

6,192

1,825

10,594

49,267

52,283

Provision for (recovery of)

credit losses

1,412

1,606

954

1,210

–

291

266

300

442

2,957

3,524

Insurance service expenses

–

4,666

4,487

–

4,666

4,487

Non-interest expenses

6,366

6,204

7,498

7,099

3,803

3,459

4,666

4,489

3,267

3,480

25,600

24,731

Income (loss) before income taxes

and share of net income from

investment in Schwab

8,416

7,571

3,583

1,033

3,300

2,828

2,487

1,437

(1,742)

6,672

16,044

19,541

Provision for (recovery of)

income taxes

2,352

2,119

656

865

738

571

321

(1,309)

(678)

3,135

2,588

Share of net income from

investment in Schwab

3,4

–

277

–

305

Net income (loss)

6,064

5,452

2,927

1,222

2,435

2,090

1,916

1,116

(433)

7,378

12,909

17,258

The retailer program partners’ share of revenues and credit losses is presented in the Corporate segment, with an

offsetting amount (representing the partners’ net share) recorded in

non-interest expenses, resulting in no impact to Corporate reported net income (loss). Net income (loss) included

in the U.S. Banking segment includes only the portion of revenue and

credit losses attributable to the Bank under the agreements.

Net interest income within Wholesale Banking is calculated on a taxable equivalent basis (TEB). The TEB adjustment

reflected in Wholesale Banking is reversed in the Corporate

segment.

The after-tax amount for amortization of acquired intangibles was recorded in the Corporate segment.

The Bank’s share of Schwab’s earnings was reported with a one-month lag. Refer to

Note 7 for further details.