Consistent Earnings Growth and Digital Engagement
U.S. Personal Banking (USD)
TD
Highlights
U.S. Personal Banking 128 (Q4/22)
Continued strong asset quality
in U.S. Personal Banking
Gross Loans
($B)
GIL
GIL/Loans
($MM)
(%)
Residential Mortgages
35.0
343
0.98
Home Equity Lines of Credit (HELOC)49
7.3
205
2.83
Indirect Auto
26.7
156
0.59
Credit Cards
13.7
194
1.41
Other Personal
0.6
4
0.70
Total U.S. Personal Banking (USD)
83.3
902
1.08
Change vs. Q3/22 (USD)
2.4
3
(0.03)
Foreign Exchange
30.1
327
n/a
Total U.S. Personal Banking (CAD)
113.4
1,229
1.08
U.S. Real Estate Secured Lending Portfolio 1
Indexed Loan to Value (LTV) Distribution and Refreshed FICO Scores 12
128
129
Current
Residential
Estimated LTV
Mortgages
1st Lien
HELOC
2nd Lien
HELOC
(%)
(%)
(%)
Total
(%)
>80%
6
1
4
CO
6
61-80%
33
13
30
31
<=60%
61
86
66
63
Current FICO Score >700
93
91
90
93
64
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