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Environmental Leadership


Building The Better Bank Material Issues How We Operate Responsible Banking Extraordinary Workplace Environmental Leadership


Natural Capital Adapting to a Changing Climate Eco-Efficiency


Responsible Finance and Investing Green Product Options


Strengthening Communities Reporting


Responsible Finance and Investing


2014 PERFORMANCE n


100% of our non-retail lending transactions were reviewed under our ESR (environmental and social credit risk) review processes.


n


230 corporate lending transactions were identified as having high or medium environmental or social risk and were subject to sector-specific due diligence.


n


Transactions that are not expected to meet TD’s stringent risk requirements are not advanced for consideration. For this reason, over the last four years, we have not declined a deal that was advanced to the ESR review process.


Carbon-Related Risk We define carbon risk as risk driven by changes in carbon-related regulation, resource constraints and the business realities within our financing activities to carbon-intensive industries.


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


There were no significant changes in our risk profile between 2013 and 2014. Environmental Sensitivity by Sector


Carbon-Related Risk Low Risk Moderate Risk High Risk Water-Related Risk


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


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


Chemical, forestry, metals & 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


Portfolio Exposure to Carbon Risk Canada and U.S. (as of October 31, 2014)


2.5% High Risk


11.9% Medium Risk


11.9% Medium Risk


2.5% High Risk


9.7% Medium Risk 9.7% Medium Risk


Portfolio Exposure to Water Risk Canada and U.S. (as of October 31, 2014)


3.7% High Risk


3.7% High R


85.6% Low Risk


85.6% Low Risk


86.6% Low Risk


86.6% Low Risk


TD 2014 Corporate Responsibility Report Page 43





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