search.noResults

search.searching

note.createNoteMessage

search.noResults

search.searching

orderForm.title

orderForm.productCode
orderForm.description
orderForm.quantity
orderForm.itemPrice
orderForm.price
orderForm.totalPrice
orderForm.deliveryDetails.billingAddress
orderForm.deliveryDetails.deliveryAddress
orderForm.noItems
HOW WE OPERATE RESPONSIBLE BANKING


WORKPLACE


ENVIRONMENT


COMMUNITY


GOVERNANCE


G4-1


A Message from Our CEO


Enduring organizations constantly adapt to meet the evolving wants and needs of their customers. As you can see from the cover of this report, TD has done just that over its 160 years of service.


For most people, TD’s ability to adjust with the times is not as important as what we preserve over time.


We agree.


TD opened its doors today for the same reasons we did in 1855: to serve people – fulfill their aspirations – make their lives better – build a more prosperous future.


Back then, the grain millers and merchants didn’t live to bank – they banked to live. That hasn’t changed either with the more than 24 million customers TD now has the privilege to serve.


Of course, how we serve them has changed. Over the years, TD has struck down old notions of bankers’ hours and given our customers more ways – and in some cases – new ways to bank with us.


Today’s rapid proliferation of technology provides us with even more opportunities to build on our innovation tradition. This includes collaborating with start-ups; encouraging experimentation at the TD Lab; and, accelerating to market new digital experiences at our Waterloo technology centre.


TD will continue to grow our leadership position and deliver best-in-class customer service in the online and digital banking space, just as we have in our branches and stores.


Investing in people To grow our business, we must grow our people. TD leaders have a deep and profound obligation to help all our people reach their full potential. We are dedicating more resources to do just that, so our people can make even more meaningful contributions to our business and brand.


Culture also plays a vital role in setting up our people for success. It evolves just like everything else at TD, but here too, we must be mindful of preserving what matters most to our colleagues and customers. TD’s journey to be a truly open and diverse workplace is a strategic necessity.


Investing for a sustainable future To be an enduring franchise, TD must also be a sustainable franchise. In 2015, we extended our support of the green bond market, participating in a syndicate of financial institutions underwriting well over $1 billion across two five-year climate awareness bonds issued by the


Page 1 Bharat Masrani


Group President and Chief Executive Officer


European Investment Bank. And so far in 2016, TD Securities participated in the underwriting of two more green bonds: a C$750-million bond for the Government of Ontario and a US$700-million bond for International Finance Corporation.


TD’s efforts are being recognized internationally. We were the only Canadian bank to be listed on the Dow Jones Sustainability World Index last year. We also ranked on the Top 500 Global Carbon Performance Leadership Index. This year TD will help manage the environmental impact of our suppliers through a CDP Supply Chain Initiative.


More broadly, in 2015, TD invested over $92 million into programs that make our communities healthier, stronger, and more vibrant. We continue to make an impact in financial education, with over 200,000 people across North America participating in a TD-sponsored program each year. I am especially proud of the time our colleagues volunteer to make a difference. Their generosity of spirit speaks volumes to the kind of organization we are, and aspire to be going forward.


Indeed, we will remain focused on why TD opened our doors in the first place: to make your life better. That is what people have come to expect from TD. And more than anything else, it is why our business endures.

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