Consistent Earnings Growth and Digital Engagement
Endnotes
TD
75. Includes gross loans and bankers' acceptances related to Wholesale Banking, excluding letters of credit, cash collateral, CDS, and allowance for
credit losses.
76. On June 17, 2021, OSFI announced a 1.50% increase to the DSB, setting the DSB at 2.50%, effective October 31, 2021.
77. On August 12, 2021, OSFI confirmed that the exclusion of sovereign-issued securities from the leverage ratio exposure measure will not be
extended past December 31, 2021. However, central bank reserves will continue to be excluded from the leverage ratio exposure measure;
Minimum leverage-based TLAC ratio is increasing to 7.25% effective February 1, 2023 as a result of the 50bps increase in the leverage ratio
buffer applicable to D-SIBS.
78. Reflects debt outstanding as at, and converted at FX rate as at October 31, 2022.
79. Sums may not add up precisely due to rounding.
80. These measures have been calculated in accordance with OSFI's Total Loss Absorbing Capacity (TLAC) guideline.
81. Includes par value of outstanding senior unsecured long-term debt issued after September 23, 2018 with a remaining term to maturity of greater
than 1 year. Senior unsecured long-term debt with original term to maturity less than 400 days will not be eligible for bail-in and would not qualify
as TLAC.
82. This measure has been calculated in accordance with OSFI's Liquidity Adequacy Requirements guideline.
83. Subject to conversion under the bank recapitalization "bail-in" regime.
84. Ratings reflect holding company senior unsecured ratings.
85. Business deposits exclude wholesale funding.
86. Market share ranking is based on internally produced reports.
87. As at October 31, 2022.
88. Excludes certain liabilities: trading derivatives, other liabilities, wholesale mortgage trading business, non-controlling interest and certain equity
capital such as common equity.
89. Bank, Business & Government Deposits less covered bonds and senior MTN notes.
90. Obligations related to securities sold short and sold under repurchase agreements.
91. Consists primarily of bearer deposit notes, certificates of deposit and commercial paper.
92. For wholesale term debt that has bullet maturities.
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