Consistent Earnings Growth and Digital Engagement
U.S. Retail
Personal & Commercial Banking
Top 10 bank 69 with over 9.9MM customers, operating retail stores in
15 states and the District of Columbia
Offer online and mobile banking tools; instant debit card issuance,
mobile check-in available at stores, and point of sale and payments
solutions for business, including direct integration with Autobooks to
support online invoicing and payments or small business clients
Enhanced the TD Overdraft Relief program on September 28,
allowing customers to overdraw by up to US$50 before incurring an
overdraft fee; providing 24 hours to cure and avoid a fee for those who
overdraw by more than US$50; eliminating all overdraft transfer fees
for customers using the savings overdraft protection service; and
implementing an approach of processing all credits before any debits
Eliminated non-sufficient funds fees and gift card inactivity fees
Announced expanding presence in Charlotte, NC with a plan to
open 15 stores by 2025 including at least 25% of stores in minority or
low-to-moderate income communities
Ranked #1 in total number of approved U.S. Small Business
Administration (SBA) loan units in our Maine-to-Florida footprint for
the sixth consecutive year in 2022
Auto Lending
Indirect retail lending through dealers across the country and
comprehensive solutions for dealers, including floor plan,
commercial banking and wealth management
Real-time payments for the dealer network
TD Auto Finance ranked "Highest in Dealer Satisfaction among Non-
Captive Lenders with Prime Credit"67 for the third year in a row in the
J.D. Power 2022 U.S. Dealer Financing Satisfaction Study
Credit Cards
TD
Private label and co-brand credit card offering for U.S. customers of
regional and nationwide retail partners, including Target and Nordstrom
Issuer of TD branded credit cards for retail and small business
customers, including Double Up, a leading cash back offering that
enables customers to earn 1% on purchases and a bonus 1% when
points are redeemed as cash into a TD deposit account
Our Retail Card Services business established financing partnerships
with home furnishings brand RH (formerly Restoration Hardware) and
jewelry retailer Blue Nile, to launch private label credit card programs
Strategic Card Partnership business has extended the partnership
agreements with Target through 2030 and with Nordstrom through
2026
Wealth
Serve the wealth management needs of Mass Affluent, High Net
Worth and Institutional clients through a network of store-based
advisors across the TD AMCB footprint and robo-advisor (TD
Automated Investing), robo/hybrid (TD Automated Investing Plus)
solutions, and a Multi-custodial securities-based collateral lending
platform
Advisor-led client discovery and goals-based planning, offering
banking, investment management, trust, estate planning and insurance
and annuity products
First Horizon
Announced proposed acquisition of First Horizon on February 28,
2022, expanding TD AMCB into U.S. southeast; transaction expected
to close in the first half of fiscal 2023, subject to closing conditions
36View entire presentation