Wholesale Banking - Positioned for Growth
Endnotes on Slides 51-59
Slide 51
1. Link to full OSFI's statement: https://www.osfi-bsif.gc.ca/Eng/osfi-bsif/med/Pages/at1t2.aspx.
2. Based on publicly available information.
Slide 53
1. Source: TD Economics, November 2023. For recent economic analysis and research please refer to https://economics.td.com.
Slide 54
1.
Source: TD Economics, November 2023. For recent economic analysis and research please refer to https://economics.td.com.
Slide 56
1. Gross Impaired Loan formations represent additions to Impaired Loans & Acceptances during the quarter; excludes the impact of acquired credit-
impaired loans.
2. GIL Formations Ratio: Gross Impaired Loan Formations/Average Gross Loans & Acceptances.
Slide 57
1. Gross Impaired Loans (GIL) excludes the impact of acquired credit-impaired loans.
2. GIL Ratio: Gross Impaired Loans/Gross Loans & Acceptances (both are spot) by portfolio.
Slide 58
1. Effective November 1, 2017, the Bank adopted IFRS 9, which replaces the guidance in IAS 39. The Bank made the decision not to restate
comparative period financial information and has recognized any measurement differences between the previous carrying amount and the new
carrying amount on November 1, 2017 through an adjustment to opening retained earnings. As such, fiscal 2018 and 2019 results reflect
the adoption of IFRS 9, while prior periods reflect results under IAS 39.
Slide 59
1. Please refer to Slide 24, Endnote 1.
2. PCL-impaired represents Stage 3 PCL under IFRS 9, performing represents Stage 1 and Stage 2 on financial assets, loan commitments, and
financial guarantees.
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