Investor Presentaiton
Endnotes
TD
28. Enterprise active digital users include Canadian Personal and Commercial Banking, TD WebBroker, MBNA active users, TD Insurance active
users, and U.S. Retail. Canadian active mobile users based on Canadian Personal and Commercial Banking. U.S. active mobile users based on
U.S. Retail and Small Business Banking.
29. Canadian Retail: Digital Adoption based on Canadian Personal & Commercial Banking and Wealth. Active Mobile Users and Self-Serve Share of
Financial Transactions based on Canadian Personal & Small Business Banking. U.S. Retail: based on U.S. Retail and Small Business Banking.
30. Active digital users as a percentage of total customer base. Active digital users are users who have logged in online or via their mobile device at
least once in the last 90 days.
31. Self-serve share of transactions represents all financial transactions that are processed through unassisted channels (Online, Mobile, ATM, and
Phone IVR).
32. Mitigation of interest rate volatility to closing capital on First Horizon acquisition includes i) mark-to-market gains (losses) on interest rate swaps,
recorded in non-interest income, and ii) basis adjustment amortization related to de-designated fair value hedge accounting relationships,
recorded in net interest income. Both the mark-to-market gains (losses) on the swaps and the basis adjustment amortization are reported in the
Corporate segment. Refer to Note 8 of the Interim Consolidated Financial Statements for further details.
33. FX impact solely related to the U.S. Retail Bank. Adjusted expenses excluding the partners' share of PCL for the U.S. SCP and adjusted
expenses excluding the partners' share of PCL and FX are non-GAAP financial measures. For further information about these non-GAAP
financial measures, please see endnote 18.
34. Wealth assets includes assets under management (AUM) and assets under administration (AUA).
35. Net interest margin (NIM) is calculated by dividing net interest income by average interest-earning assets. Average interest-earning assets used
in the calculation of NIM is a non-GAAP financial measure. NIM and average interest-earning assets are not defined terms under IFRS and,
therefore, may not be comparable to similar terms used by other issuers.
36. U.S. Retail NIM is calculated by dividing segment's net interest income by average interest-earning assets excluding the impact related to deposit
sweep arrangements and the impact of intercompany deposits and cash collateral, which management believes better reflects segment
performance. In addition, the value of tax-exempt interest income is adjusted to its equivalent before-tax value. Net interest income and average
interest-earning assets used in the calculation of this metric are non-GAAP financial measures.
37. Includes net interest income TEB of $567 million, and trading loss of $20 million. Trading-related revenue (TEB) is a non-GAAP financial
measure, which is not a defined term under IFRS and, therefore, may not be comparable to similar terms used by other issuers.
38. Capital and liquidity measures on slide 24 are calculated in accordance with OSFI's Capital Adequacy Requirements, Leverage Requirements,
and Liquidity Adequacy Requirements guidelines.
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