Consistent Earnings Growth and Digital Engagement
Q4 2022: PTPP17,120 & Operating Leverage 17,121
Modified for partners' share of SCP PCL, FX and Insurance Fair Value Change
TD
TOTAL BANK
1 Reported Results ($MM)
Q4 2022
Revenue Expenses
15,563 6,545
Q3 2022
Revenue Expenses
10,925 6,096
Q4 2021
Revenue Expenses
10,941 5,947
SFI Reference
Page 2, L3 & L6
2
PTPP
9,018
4,829
4,994
3
PTPP (QoQ %)
86.7%
(7.7%)
(2.0%)
4
PTPP (YOY %)
80.6%
(5.2%)
(18.6%)
5
Revenue (YoY %)
42.2%
2.0%
(7.6%)
6
Expenses (YoY %)
10.1%
8.5%
4.2%
7 Operating Leverage
32.2%
(6.6%)
(11.8%)
8
Adjusted Results ($MM) 20
12,247
6,430
11,603
6,033
10,941
5,898
Page 2, L16 & L17
9
Minus: U.S. Retail value in C$133, 135
3,595
1,909
3,101
1,686
2,780
1,617
Page 9, L35 & L36
10
Plus: U.S. Retail value in US$133, 135
2,699
1,432
2,409
1,310
2,212
1,288
Page 10, L35 & L36
11
Minus: Insurance fair value change 136
(64)
(28)
(38)
Page 6, L14
12
Plus: Corporate PCL 137
137
49
(23)
Page 13, L6
13
Subtotal (Line 13)1
139
11,415
6,090
10,939
5,706
10,411
5,546
14
156
Line 13 PTPP
Line 13 PTPP (QoQ %)
Line 13 PTPP (YOY %)
5,325
5,233
4,865
1.8%
6.1%
(1.7%)
9.5%
5.8%
9.8%
17 Line 13 Revenue (YoY %)
9.6%
7.3%
6.5%
18
19
180
Line 13 Expenses (YoY %) 141
9.8%
8.7%
3.9%
Line 13 Operating Leverage
(0.2%)
(1.4%)
2.7%
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