T ABLE 66


LOAN PORTFOLIO – Maturity Schedule (millions of Canadian dollars)


Remaining terms to maturities Under


1 year Canada Residential mortgages


Consumer instalment and other personal HELOC


Indirect Auto Other


Credit card Total personal


Real estate Residential


Non-residential Total real estate


Total business and government (including real estate)


Total loans – Canada United States


Residential mortgages


Consumer instalment and other personal HELOC


Indirect Auto Other


Credit card Total personal


Real estate Residential


Non-residential Total real estate


Total business and government (including real estate)


Total loans – United States


Other International Personal


Business and government


Total loans – Other international Other loans


Debt securities classified as loans Acquired credit-impaired loans


Total other loans Total loans


T ABLE 67 LOAN PORTFOLIO – Rate Sensitivity (millions of Canadian dollars)


October 31, 2016 1 to


5 years Fixed rate


Variable rate Total


5 years 34,260 Over


October 31, 2015 1 to


5 years 72,663


Over 5 years


32,208


October 31, 2014 1 to


5 years 73,672 24,991


Over 5 years


October 31, 2013 1 to


5 years 60,401


Over 5 years


23,065 5 years 58,199 As at


October 31, 2012 1 to


Over 5 years


$ 212,257 $ 82,507 $ 176,316 $ 66,949 $ 155,614 $ 59,555 $ 158,435 $ 45,395 $ 133,730 $ 37,781 85,139


20,867 $ 297,396 $116,767 $ 248,979 $ 99,157 $ 229,286 $ 84,546 $ 218,836 $ 68,460 $ 191,929 $ 58,648


$ 25,379 $ 160,304 $ 3,616 $ 189,299 $ 185,009 $ 175,125 $ 164,389 $ 154,247 43,329 15,015


271 18,226


5,376 4,468


9,844 46,984 511


11,027 298 255


13,680 25,771


1,408 2,379


3,787


14,762 40,533


16


657 673


121 541


662


21,732 10,423 989 –


102,220 193,448


6,043 4,619


10,662 30,739 149,204 224,187


101 211


16,852 451 –


17,615 2,759


10,460 13,219


54,232 71,847


–


856 856


144 362


506 7


9,883 452 –


4,582 3,693


8,275 13,331


27,050 1,970


11,220 39 –


40,279


2,685 8,836


11,521


65,068 20,577 16,456 18,226


16,001 12,780


28,781 91,054


27,662 13,208


28,370 745


13,680 83,665


6,852


21,675 28,527


47,719 116,713


– –


–


1,409 71


1,480 16


1,513 1,529


1,674 974


2,648


61,317 19,038 16,075 17,941


14,862 11,330


26,192 84,155


26,922 13,334


24,862 693


12,274 78,085


5,691


18,317 24,008


97,217 5


1,978 1,983


2,187 1,414


3,601


59,568 16,475 16,116 17,927


14,604 9,768


24,372 71,814


23,335 11,665


18,782 615


7,637 62,034 4,294


14,037 18,331


69,417 9


2,124 2,133


2,695 1,713


4,408


61,581 14,666 15,193 15,288


13,685 8,153


21,838 64,272


20,945 10,607


16,323 533


6,900 55,308 3,470


12,084 15,554


55,000 87,998 200,378 175,302 131,451 110,308 10


2,240 2,250


3,744 2,485


6,229


64,753 13,965 14,574 14,236


13,958 309,626 299,380 285,211 271,117 261,775


12,477 7,252


19,729 55,797 27,289 400,680 383,535 357,025 335,389 317,572


17,362 10,122


13,466 490


1,097 42,537 3,015


10,831 13,846


47,181 89,718


11


2,653 2,664


4,994 3,767


8,761 $ 191,072 $ 297,396 $ 116,767 $ 605,235 $ 564,421 $ 495,017 $ 454,176 $ 418,715


1 to 5 years


Over 5 years Total 2015 2014 2013 Total


October 31 October 31 October 31 October 31 October 31 2016


2012 As at


112 TD BANK GROUP ANNUAL REPORT 2016 MANAGEMENT’S DISCUSSION AND ANALYSIS


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  |  Page 119  |  Page 120  |  Page 121  |  Page 122  |  Page 123  |  Page 124  |  Page 125  |  Page 126  |  Page 127  |  Page 128  |  Page 129  |  Page 130  |  Page 131  |  Page 132  |  Page 133  |  Page 134  |  Page 135  |  Page 136  |  Page 137  |  Page 138  |  Page 139  |  Page 140  |  Page 141  |  Page 142  |  Page 143  |  Page 144  |  Page 145  |  Page 146  |  Page 147  |  Page 148  |  Page 149  |  Page 150  |  Page 151  |  Page 152  |  Page 153  |  Page 154  |  Page 155  |  Page 156  |  Page 157  |  Page 158  |  Page 159  |  Page 160  |  Page 161  |  Page 162  |  Page 163  |  Page 164  |  Page 165  |  Page 166  |  Page 167  |  Page 168  |  Page 169  |  Page 170  |  Page 171  |  Page 172  |  Page 173  |  Page 174  |  Page 175  |  Page 176  |  Page 177  |  Page 178  |  Page 179  |  Page 180  |  Page 181  |  Page 182  |  Page 183  |  Page 184  |  Page 185  |  Page 186  |  Page 187  |  Page 188  |  Page 189  |  Page 190  |  Page 191  |  Page 192  |  Page 193  |  Page 194  |  Page 195  |  Page 196  |  Page 197  |  Page 198  |  Page 199  |  Page 200  |  Page 201  |  Page 202  |  Page 203  |  Page 204  |  Page 205  |  Page 206  |  Page 207  |  Page 208  |  Page 209  |  Page 210  |  Page 211  |  Page 212