TD Bank Financial Performance and Strategy Update
TD Strategy
Top 10 Bank in North America¹
To be the Better Bank
North America
One of only a few banks globally to be rated Aa1 by Moody's²
Leverage platform and brand for growth
Strong employment brand
Retail Earnings Focus
Leader in customer service and convenience
Over 80% of earnings from retail³
Strong organic growth engine
Better return for risk undertaken4
Franchise Businesses
Operating a franchise dealer of the future
Consistently reinvest in our competitive advantages
Repeatable and growing earnings stream
Focus on customer-driven products
Only take risks we understand
Systematically eliminate tail risk
Risk Discipline
Robust capital and liquidity management
TD
Culture and policies aligned with risk philosophy
Simple strategy, consistent focus
1. See slide 6.
2. For long term debt (deposits) of The Toronto-Dominion Bank, as at January 31, 2017. Credit ratings are not recommendations to purchase, sell, or hold a financial obligation inasmuch as they do not comment on market price or suitability for a
particular investor. Ratings are subject to revision or withdrawal at any time by the rating organization.
3. Retail includes Canadian Retail and U.S. Retail segments. See slide 7 for more detail.
4. Return on risk-weighted assets (RWA) is calculated as net income available to common shareholders divided by average RWA. As compared to North American Peers (RY, BNS, CM, BMO, C, BAC, JPM, WFC, PNC and USB). For Canadian peers,
based on Q1/17 results ended January 31, 2017. For U.S. Peers, based on Q4/16 results ended December 31, 2016.
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