Customers Carbon-Related Risk


We define carbon risk as risk driven by changes in carbon-related regulation, resource constraints and the changing climate within our financing activities to carbon-intensive industries.


Portfolio Exposure to Carbon Risk Canada and U.S. (as of October 31, 2013)


Workplace Water-Related Risk


We define water-related risk based on the potential economic and environmental impacts of changing patterns of precipita- tion and of exposure to flooding, drought or extreme storm events caused by climate change. We track our exposure to sectors that are water-sensitive.


Portfolio Exposure to Water Risk Canada and U.S. (as of October 31, 2013)


Environment


Communities


How We Operate


66 EN30


Environmental Sensitivity Risk by Sector Carbon-Related Risk


Low Risk


Residential & personal, residential real estate, financial, government & public sector, professional services, health & social services, media, entertainment, retail, telecommunications


Moderate Risk


High Risk


Non-residential real estate, agriculture, automotive, food & beverage, industrial construction, manufacturing, transportation


Chemical, forestry, mining, oil & gas, pipelines, power & utilities


Non-residential real estate, automotive, chemical, industrial construction, manufacturing


Agriculture, food & beverage, forestry, metals & mining, pipelines, oil & gas, power & utilities


In 2014 TD launched a $500 million TD Green Bond – the first commercial bank in Canada to offer a bond dedicated to funding green initiatives.


+ Details on Green Bond Low Risk


Medium Risk High Risk


87.2% 10.7% 2.1%


Water-Related risk


Low Risk


Medium Risk High Risk


88.0% 8.6% 3.4%


TD 2013 Corporate Responsibility Report


Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8  |  Page 9  |  Page 10  |  Page 11  |  Page 12  |  Page 13  |  Page 14  |  Page 15  |  Page 16  |  Page 17  |  Page 18  |  Page 19  |  Page 20  |  Page 21  |  Page 22  |  Page 23  |  Page 24  |  Page 25  |  Page 26  |  Page 27  |  Page 28  |  Page 29  |  Page 30  |  Page 31  |  Page 32  |  Page 33  |  Page 34  |  Page 35  |  Page 36  |  Page 37  |  Page 38  |  Page 39  |  Page 40  |  Page 41  |  Page 42  |  Page 43  |  Page 44  |  Page 45  |  Page 46  |  Page 47  |  Page 48  |  Page 49  |  Page 50  |  Page 51  |  Page 52  |  Page 53  |  Page 54  |  Page 55  |  Page 56  |  Page 57  |  Page 58  |  Page 59  |  Page 60  |  Page 61  |  Page 62  |  Page 63  |  Page 64  |  Page 65  |  Page 66  |  Page 67  |  Page 68  |  Page 69  |  Page 70  |  Page 71  |  Page 72  |  Page 73  |  Page 74  |  Page 75  |  Page 76  |  Page 77  |  Page 78  |  Page 79  |  Page 80  |  Page 81  |  Page 82  |  Page 83  |  Page 84  |  Page 85  |  Page 86  |  Page 87  |  Page 88  |  Page 89  |  Page 90  |  Page 91  |  Page 92  |  Page 93  |  Page 94  |  Page 95  |  Page 96  |  Page 97  |  Page 98  |  Page 99  |  Page 100  |  Page 101  |  Page 102  |  Page 103  |  Page 104  |  Page 105  |  Page 106  |  Page 107  |  Page 108  |  Page 109  |  Page 110  |  Page 111  |  Page 112  |  Page 113  |  Page 114  |  Page 115  |  Page 116  |  Page 117  |  Page 118