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Enriching the Lives of Our Customers, Communities and Colleagues TD BANK GROUP 2016 ANNUAL REPORT Enriching the lives of our customers, communities and colleagues 2016 Annual Report ® The TD logo and other trade-marks are the property of 19504 FSC Logo The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries. 2016 Snapshot 1 Shareholder and Investor Information Year at a Glance 2 Performance Indicators 4 TD Framework 5 Group President and CEO’s Message 6 MARKET LISTINGS DIVIDENDS Effective March 1, 2017, dividends will be The common shares of The Toronto-Dominion Direct dividend depositing: Shareholders exchanged into U.S. funds at the Bank of Canada Chairman of the Board’s Message 7 Bank are listed for trading on the Toronto Stock may have their dividends deposited directly daily average exchange rate published at 16:30 MANAGEMENT’S DISCUSSION AND ANALYSIS 11 Exchange and the New York Stock Exchange to any bank account in Canada or the U.S. (Eastern) on the fifth business day after the under the symbol “TD”. The Toronto-Dominion For this service, please contact the Bank’s record date, or as otherwise advised by the Bank. FINANCIAL RESULTS Bank preferred shares are listed on the Toronto transfer agent at the address below. Stock Exchange. Dividend information is available at Consolidated Financial Statements 116 U.S. dollar dividends: Dividend payments Further information regarding the Bank’s www.td.com under Investor Relations/Share sent to U.S. addresses or made directly to Notes to Consolidated Financial Statements 124 listed securities, including ticker symbols and Information. Dividends, including the amounts U.S. bank accounts will be made in U.S. funds CUSIP numbers, is available on our website at and dates, are subject to declaration by the unless a shareholder otherwise instructs the Ten-Year Statistical Review 201 www.td.com under Investor Relations/Share Board of Directors of the Bank. Bank’s transfer agent. Other shareholders can Information or by calling TD Shareholder Glossary 207 request dividend payments in U.S. funds by DIVIDEND REINVESTMENT PLAN Relations at 1-866-756-8936 or 416-944-6367 Shareholder and Investor Information 209 contacting the Bank’s transfer agent. Until For information regarding the Bank’s dividend or by e-mailing [email protected]. February 28, 2017, dividends will be exchanged reinvestment plan, please contact our transfer AUDITORS FOR FISCAL 2016 into U.S. funds at the Bank of Canada noon agent or visit our website at www.td.com under Ernst & Young LLP rate on the fifth business day after the record Investor Relations/Share Information/Dividends. date, or as otherwise advised by the Bank. IF YOU AND YOUR INQUIRY RELATES TO PLEASE CONTACT Are a registered shareholder (your name appears Missing dividends, lost share certificates, estate Transfer Agent: on your TD share certificate) questions, address changes to the share register, CST Trust Company dividend bank account changes, the dividend P.O. Box 700, Station B reinvestment plan, eliminating duplicate mailings Montréal, Québec H3B 3K3 of shareholder materials or stopping (and 1-800-387-0825 (Canada and U.S. only) resuming) receiving annual and quarterly reports or 416-682-3860 Facsimile: 1-888-249-6189 [email protected] or www.canstockta.com Hold your TD shares through the Direct Missing dividends, lost share certificates, estate Co-Transfer Agent and Registrar: Registration System in the United States questions, address changes to the share register, Computershare eliminating duplicate mailings of shareholder P.O. Box 30170 materials or stopping (and resuming) receiving College Station, TX 77842-3170 or annual and quarterly reports 211 Quality Circle, Suite 210 College Station, TX 77845 1-866-233-4836 TDD for hearing impaired: 1-800-231-5469 Shareholders outside of U.S.: 201-680-6578 TDD shareholders outside of U.S.: 201-680-6610 www.computershare.com Beneficially own TD shares that are held in the Your TD shares, including questions regarding Your intermediary name of an intermediary, such as a bank, a trust the dividend reinvestment plan and mailings company, a securities broker or other nominee of shareholder materials TD SHAREHOLDER RELATIONS HEAD OFFICE Website: In Canada: www.td.com For all other shareholder inquiries, please contact The Toronto-Dominion Bank In the U.S.: www.tdbank.com TD Shareholder Relations at 416-944-6367 or P.O. Box 1 E-mail: [email protected] 1-866-756-8936 or e-mail [email protected]. Toronto-Dominion Centre (Canada only; U.S. customers can e-mail Please note that by leaving us an e-mail or King St. W. and Bay St. customer service via www.tdbank.com) voicemail message you are providing your Toronto, Ontario M5K 1A2 consent for us to forward your inquiry to the ANNUAL MEETING Product and service information 24 hours a day, appropriate party for response. Thursday, March 30, 2017 seven days a week: 9:30 a.m. (Eastern) Shareholders may communicate directly with the Design Exchange In Canada contact TD Canada Trust independent directors through the Chairman Toronto, Ontario 1-866-222-3456 For more information, see the interactive For information on TD’s commitments of the Board, by writing to: In the U.S. contact TD Bank, SUBORDINATED NOTES SERVICES TD Annual Report online by visiting to the community see the TD Corporate Chairman of the Board America’s Most Convenient Bank® Trustee for subordinated notes: The Toronto-Dominion Bank 1-888-751-9000 Computershare Trust Company of Canada td.com/annual-report/ar2016 Responsibility Report online by visiting P.O. Box 1 French: 1-866-233-2323 Attention: Manager, td.com/corporate-responsibility Toronto-Dominion Centre Cantonese/Mandarin: 1-800-328-3698 Corporate Trust Services Toronto, Ontario M5K 1A2 Telephone device for the hearing impaired: 100 University Avenue, 11th Floor 1-800-361-1180 Toronto, Ontario M5J 2Y1 (2016 report available April 2017) or you may send an e-mail c/o TD Shareholder General information: Relations at [email protected]. E-mails addressed Contact Corporate and Public Affairs Vous pouvez vous procurer des exemplaires en to the Chairman received from shareholders and 416-982-8578 français du rapport annuel au service suivant : expressing an interest to communicate directly Affaires internes et publiques with the independent directors via the Chairman La Banque Toronto-Dominion will be provided to Mr. Levitt. P.O. Box 1, Toronto-Dominion Centre Toronto (Ontario) M5K 1A2 Design: q30 design inc., Printing: TC Transcontinental Printing TD BANK GROUP ANNUAL REPORT 2016 SHAREHOLDER AND INVESTOR INFORMATION 209 2016 Snapshot1 NET INCOME DILUTED EARNINGS RETURN ON TOTAL ASSETS available to common shareholders PER SHARE COMMON EQUITY (billions of Canadian dollars) (millions of Canadian dollars) (Canadian dollars) (percent) Reported Adjusted Reported Adjusted Reported Adjusted $10,000 $5 18.0% $1,200 15.0 1,000 8,000 4 12.0 800 6,000 3 9.0 600 4,000 2 6.0 400 2,000 1 3.0 200 0 0 0 0 12 13 14 15 16 12 13 14 15 16 12 13 14 15 16 12 13 14 15 16 TD’s 5-year CAGR TD’s 5-year CAGR TD’s 2016 Return $1,177 billion of total on Common Equity assets as at 8.5% Reported 7.8% Reported 13.3% Reported October 31, 2016 8.0% Adjusted 7.3% Adjusted 13.9% Adjusted DIVIDENDS PER SHARE TOTAL SHAREHOLDER TD’S PREMIUM RETAIL 2 (Canadian dollars) RETURN EARNINGS MIX (5-year CAGR) $2.50 2.00 TD’s premium earnings 1.50 30% mix reflects our North American retail focus – 61% 1.00 14.2% lower-risk businesses with 9% stable, consistent earnings 0.50 Canadian Retail 0 U.S. Retail 12 13 14 15 16 Wholesale 10.6% TD’s 5-year CAGR 12.6% Canadian peers 91% Retail 6.6% Canadian peers 9% Wholesale 5-year CAGR 1 Refer to the footnotes on pages 2 and 3 for information on how these results are calculated. 2 Reported basis excluding Corporate segment. TD BANK GROUP ANNUAL REPORT 2016 2016 SNAPSHOT 1 Year at a Glance1 Record Reported Earnings of TD Shares Reach Returning Capital $8.9 billion in 2016 an All-Time High to TD Shareholders TD announced record reported earnings for the TD common shares reached an all-time high of TD raised its quarterly dividend 8% from the seventh consecutive year driven by growth in our $61.03 on October 31, 2016. TD also ranked previous year and repurchased 9.5 million U.S. Retail and Wholesale businesses. #1 or #2 over the one, three, five and ten year shares to offset dilution from the Bank’s time frames for Total Shareholder Return (TSR) dividend reinvestment plan and issuances among the Big 5 banks2. related to stock options. Tuck-in Acquisitions to Further TD Canada Trust Remains the Leader Record Year in Wealth Management Strengthen U.S. Businesses in Service and Convenience TD Wealth delivered double-digit growth and TD Securities announced an agreement to TD Canada Trust (TDCT) retained the #1 spot over $1 billion in global earnings and surpassed acquire Albert Fried & Company, a New York in “Customer Service Excellence” among the $700 billion mark in total assets under based broker-dealer with a prime brokerage the Big 5 Canadian Banks for the twelfth management and administration. TD Direct technology platform. TD also announced consecutive year according to Ipsos. In Investing launched the new WebBroker an agreement to acquire Scottrade Bank, in addition, TDCT continued to lead in credit Platform and successfully migrated over conjunction with TD Ameritrade’s agreement to cards and total personal deposit market share 1.5 million clients. The Advice businesses acquire Scottrade’s discount brokerage business3.
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