Canadian Real Estate Secured Lending Portfolio Highlights
TD TLAC Requirements
■ Canadian D-SIBS were required to meet their regulatory TLAC requirements by November 1, 2021.
■ OSFI has stipulated that D-SIBS will be subject to 2 supervisory ratios:
1. Minimum risk-based TLAC ratio: 24.00% (21.50% +2.50% Domestic Stability Buffer ("DSB")68)
2. TLAC leverage ratio 69: 6.75%
■ As of Q2-2022, TD's risk-based and leverage-based TLAC ratios both exceed the regulatory minimum
TD
■ TD expects to continue to meet the TLAC supervisory ratios without altering its business-as-usual funding practices
Risk-Based TLAC Ratio70,71
Current Risk-based TLAC Ratio: 30.4%72
Leverage-Based TLAC Ratio70,71
Current Leverage-based TLAC Ratio: 8.1% 72
Minimum Risk-based TLAC Ratio: 24.0%
12.0%
Minimum Leverage-based TLAC Ratio: 6.75%
3.2%
14.7%
1.2%
2.5%
24.0%
3.9%
0.3%
0.7%
6.75%
CET1
Additional
Tier 1
Tier 2
Senior
Debt
73
Total TLAC
Required
CET1
Additional
Tier 1
Tier 2
Senior
Debt 73
Total TLAC
Required
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