Investor Presentaiton
Endnotes
89. As at July 31, 2022
90. Excludes certain private placement and structured notes.
91. In Canadian dollars equivalent with exchange rate as of July 31, 2022.
TD
92. On March 27, 2020, OSFI announced that the covered bond ratio limit is temporarily increased to 10% to enable access to Bank of Canada
facilities, while the maximum covered bond assets encumbered relating to market instruments remains limited to 5.5% of an issuer's on-balance
sheet assets. Effective October 21, 2020, the Bank of Canada no longer accepts own-name covered bonds for Term Repo operations. OSFI has
announced the unwinding of the temporary increase to the covered bond limit effective April 6, 2021.
93. Ratings by Moody's and DBRS, respectively, as at July 31, 2022.
94. In Canadian dollars equivalent with exchange rate as at date of issuance.
95. The Covered Bond Label Foundation and its affiliates are not associated with and do not approve or endorse TD's covered bond products.
96. Current Loan to Value is calculated with the Teranet-National Bank House Price Index and weighted by balance.
97. Any non-NVCC preferred shares and non-NVCC subordinated debt issued after September 23, 2018 would also be in scope.
98. Term as defined in the bail-in regulations.
99. In determining the multiplier, CDIC must take into consideration the requirement in the Bank Act for banks to maintain adequate capital and that
equally ranking bail-in eligible instruments must be converted in the same proportion and receive the same number of common shares per dollar
of claim.
100. Source: TD Economics, August 2022. For recent economic analysis and research please refer to https://economics.td.com.
101. Source: TD Economics, August 2022. For recent economic analysis and research please refer to https://economics.td.com.
102. Gross Impaired Loan formations represent additions to Impaired Loans & Acceptances during the quarter; excludes the impact of acquired
credit-impaired loans.
103. GIL Formations Ratio: Gross Impaired Loan Formations/Average Gross Loans & Acceptances.
104. Gross Impaired Loans (GIL) excludes the impact of acquired credit-impaired loans.
105. GIL Ratio: Gross Impaired Loans/Gross Loans & Acceptances (both are spot) by portfolio.
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