Consistent Earnings Growth and Digital Engagement
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")76)
2. TLAC leverage ratio77: 6.75%
As of Q4-2022, 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 Ratio78,79
Current Risk-based TLAC Ratio: 35.2%80
Leverage-Based TLAC Ratio 78,79
Current Leverage-based TLAC Ratio: 9.4%80
14.5%
3.9%
Minimum Risk-based TLAC Ratio: 24.0%
Minimum Leverage-based TLAC Ratio: 6.75%
16.2%
2.4%
2.1%
24.0%
4.3%
0.6%
0.6%
6.75%
CET1
Additional
Tier 1
Tier 2
Senior
Debt
81
Total TLAC
Required
CET1
Additional
Tier 1
Tier 2
Senior
Total TLAC
Debt 81
Required
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