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Building on Our Momentum

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Building on Our Momentum Building on Our Momentum 2009 Annual Report “Our vision is to be the better bank. We will be the best-run, customer-focused, integrated financial institution, with a unique and inclusive employee culture.” Ed Clark, President and Chief Executive Officer TABLE OF CONTENTS MOMENTUM = THE RIGHT STRATEGY 2 President and CEO’s Message MOMENTUM = LEGENDARY CUSTOMER EXPERIENCE 4 Our Customers and Clients MOMENTUM = OUTSTANDING EMPLOYEES 10 Our Employees MOMENTUM = BUILDING ON OUR COMMITMENTS 11 Our Commitment to Communities 12 Our Environmental Focus MOMENTUM = RESPONSIBLE GOVERNANCE 13 Chairman’s Message 14 Corporate Governance Practices 16 Performance Indicators 17 MANAGEMENT’S DISCUSSION AND ANALYSIS FINANCIAL RESULTS 87 Consolidated Financial Statements 93 Notes to Consolidated Named Best Bank in North America Financial Statements by Euromoney Magazine 144 PRINCIPAL SUBSIDIARIES We have more than 2,300 retail locations in Canada and the U.S. 146 TEN-YEAR STATISTICAL REVIEW and serve over 18 million customers worldwide. We attract and retain the best employees in the business and provide customers MORE ABOUT US with outstanding service and convenience. That’s how we're 150 Senior Officers building the better bank, one that Euromoney magazine named 152 Glossary Best in North America. 153 Shareholder and Investor Information 1 TD Bank Financial Group 2009 Snapshot Year at a Glance Shareholder and Investor Information In 2009, TD Bank Financial Group (TD) demonstrated that with the right strategy and dedicated employees, Aaa rated by Moody’s 11.3% Tier 1 Nearly $4 billion MARKET LISTINGS DIVIDENDS Dividend information for 2010 is available at strong businesses can perform even in a tough economy. By almost every measure, our performance The common shares of The Toronto-Dominion Direct dividend depositing: Shareholders www.td.com under Investor Relations/Share Investors Service capital ratio in retail earnings Bank are listed for trading on the Toronto Stock may have their dividends deposited directly Information. Dividends, including the surpassed our own expectations. And we’ve ended the year with solid earnings and an exceptionally Exchange and the New York Stock Exchange to any bank account in Canada or the U.S. amounts and dates, are subject to declaration strong balance sheet and capital position, which is allowing us to emerge from the financial crisis with and one of only three banks listed demonstrates our very strong for the second year in a row under the symbol “TD.” The Toronto-Dominion For this service, please contact the bank’s by the Board of Directors of the bank. on the New York Stock Exchange capital position (adjusted) Bank preferred shares and the Capital Trust transfer agent at the address below. our business model intact and momentum on our side. DIVIDEND REINVESTMENT PLAN Securities – Series 2009 of TD Capital Trust with this rating For information regarding the bank’s dividend are listed on the Toronto Stock Exchange. U.S. dollar dividends: Dividend payments reinvestment plan, please contact our transfer Further information regarding the bank’s sent to U.S. addresses or made directly to U.S. agent or visit our website at www.td.com listed securities, including ticker symbols and bank accounts will be made in U.S. funds NET INCOME EARNINGS PER SHARE RETURN ON RISK- TOTAL ASSETS unless a shareholder otherwise instructs the under Investor Relations/Share Information. available to common shareholders (Canadian dollars) WEIGHTED ASSETS (billions of Canadian dollars) 57 new retail locations Highest rating in Completed the CUSIP numbers, is available on our website (millions of Canadian dollars) (per cent) opened in North America customer satisfaction integration of TD Bank, at www.td.com under Investor Relations/Share bank’s transfer agent. Other shareholders can Adjusted Reported Adjusted Reported Adjusted Reported Information or by calling the Shareholder request dividend payments in U.S. funds by by J.D. Power and Associates America’s Most Relations department at 1-866-756-8936 contacting the bank’s transfer agent. Dividends or 416-944-6367 or by e-mailing will be exchanged into U.S. funds at the Bank $5,000 $7 3.5% $600 in both Canada and the U.S. Convenient Bank [email protected]. of Canada noon rate on the fifth business day Mid-Atlantic region for the after the record date or as otherwise advised 6 3.0 across our 1,028 stores from 500 fourth year in a row* AUDITORS FOR FISCAL 2009 4,000 Maine to Florida by the bank. 5 2.5 Ernst & Young LLP 400 3,000 4 2.0 IF YOU AND YOUR INQUIRY RELATES TO PLEASE CONTACT 300 Are a registered shareholder (your name appears Missing dividends, lost share certificates, estate Transfer Agent: 3 1.5 TD Insurance’s total TD Securities earns Wealth Management 2,000 on your TD share certificate) questions, address changes to the share register, CIBC Mellon Trust Company 200 premiums exceed a record $1.1 billion gathers $20 billion in net dividend bank account changes, the dividend P.O. Box 7010 2 1.0 reinvestment plan, eliminating duplicate mailings of Adelaide Street Postal Station 1,000 $2.8 billion validating its strategy even in new client assets and shareholder materials or stopping (and resuming) Toronto, Ontario M5C 2W9 1 0.5 100 adverse markets receiving annual and quarterly reports 416-643-5500 and its auto insurance business is 292,000 net new accounts or toll-free at 1-800-387-0825 0 0 0 0 [email protected] or 05 06 07 08 09 05 06 07 08 09 05 06 07 08 09 ranked second largest in Canada 05 06 07 08 09 as strong client www.cibcmellon.com engagement continues Hold your TD shares through the Direct Missing dividends, lost share certificates, estate Co-Transfer Agent and Registrar 12.9% TD’s 5-year CAGR 7.3% TD’s 5-year CAGR 2.27% TD’s 2009 return on 12.4% TD’s 5-year CAGR Registration System in the U.S. questions, address changes to the share register, BNY Mellon Shareowner Services (adjusted) (adjusted) risk-weighted assets eliminating duplicate mailings of shareholder P.O. Box 358015 (adjusted) materials, stopping (and resuming) receiving Pittsburgh, Pennsylvania 15252-8015 annual and quarterly reports or Key Metrics 480 Washington Boulevard Jersey City, New Jersey 07310 (millions of Canadian dollars, except where noted) 2009 2008 2007 1-866-233-4836 Results of operations TDD for the hearing impaired: 1-800-231-5469 DIVIDENDS PER SHARE TOTAL SHAREHOLDER TD’S PREMIUM RETAIL Total revenues – reported $ 17,860 $ 14,669 $ 14,281 Foreign shareholders: 201-680-6578 (Canadian dollars) RETURN EARNINGS MIX IN 2009 TDD foreign shareholders: 201-680-6610 (5-year CAGR) Total revenues – adjusted 18,621 14,372 14,072 Net income – reported 3,120 3,833 3,997 www.bnymellon.com/shareowner/isd Net income – adjusted 4,716 3,813 4,189 M Beneficially own TD shares that are held in the Your TD shares, including questions regarding Your intermediary $2.5 Financial positions at year-end name of an intermediary, such as a bank, a trust the dividend reinvestment plan and mailings of Total assets 557,219 563,214 422,124 company, a securities broker or other nominee shareholder materials Total deposits 391,034 375,694 276,393 2.0 Total loans 255,496 221,160 177,210 Website: In Canada: www.td.com TD’s premium earnings 22% Per common share (Canadian dollars) TD SHAREHOLDER RELATIONS HEAD OFFICE WHOLESALE In the U.S.: www.tdbank.com Diluted earnings – reported 3.47 4.87 5.48 For all other shareholder inquiries, please The Toronto-Dominion Bank 1.5 mix is built on a North contact TD Shareholder Relations at 416-944-6367 P.O. Box 1 E-mail: [email protected] Diluted earnings – adjusted 5.35 4.88 5.75 American retail focus – 55% or 1-866-756-8936 or e-mail [email protected]. Toronto-Dominion Centre (Canada only; U.S. customers can e-mail CANADIAN Dividend payout ratio – adjusted 45.6% 49.3% 36.4% Please note that by leaving us an e-mail or King St. W. and Bay St. customer service via www.tdbank.com) 8.5% RETAIL 23% 1.0 a lower-risk business Closing market price 61.68 56.92 71.35 voicemail message you are providing your consent Toronto, Ontario M5K 1A2 U.S. ANNUAL MEETING with consistent earnings. RETAIL Total shareholder return 13.6% (17.1)% 13.0% for us to forward your inquiry to the appropriate Tel: 416-982-8222 Financial ratios party for response. Fax: 416-982-5671 March 25, 2010 0.5 9:30 a.m. (Eastern) Tier 1 capital ratio 11.3% 9.8% 10.3% The annual report is available in alternative formats Product and service information 24 hours a day, Fairmont Le Château Frontenac Total capital ratio 14.9% 12.0% 13.0% by contacting TD Shareholder Relations. seven days a week: Quebec City, Quebec 0 Efficiency ratio – reported 68.4% 64.8% 62.8% Shareholders may communicate directly with the In Canada contact TD Canada Trust: 05 06 07 08 09 Efficiency ratio – adjusted 59.2% 64.6% 59.6% SUBORDINATED NOTES SERVICES independent directors through the Chairman 1-866-567-8888 Trustee for subordinated notes: 1 of the Board, by writing to: In the U.S. contact TD Bank, Results prepared in accordance with GAAP are referred to as “reported.” “Canadian Retail” earnings are the total adjusted earnings of the Canadian Personal Computershare Trust Company of Canada America’s Most Convenient Bank: Canadian peers Retail Adjusted results (excluding “items of note,” net of tax, from reported results) and Commercial Banking and Wealth Management segments.
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