NOTE 17


DEPOSITS


Demand deposits are those for which the Bank does not have the right to require notice prior to withdrawal. These deposits are in general chequing accounts.


Notice deposits are those for which the Bank can legally require notice prior to withdrawal. These deposits are in general savings accounts. Term deposits are those payable on a fixed date of maturity purchased by customers to earn interest over a fixed period. The terms are from one day to ten years. Accrued interest on deposits, calculated using the EIRM, is included in Other liabilities on the Consolidated


Deposits (millions of Canadian dollars)


Demand


Personal Banks1


Business and government2


Designated at fair value through profit or loss3 Trading1


Total


Non-interest-bearing deposits included above In domestic offices4 In foreign offices


Interest-bearing deposits included above In domestic offices4 In foreign offices


U.S. federal funds deposited1 Total2,5


1 Includes deposits and advances with the Federal Home Loan Bank. 2


4


As at October 31, 2016, includes $29 billion in Deposits on the Consolidated Balance Sheet relating to covered bondholders (October 31, 2015 – $24 billion) and $2 billion (October 31, 2015 – $2 billion) due to TD Capital Trust IV.


3


Included in Other financial liabilities designated at fair value through profit or loss on the Consolidated Balance Sheet.


Term Deposits (millions of Canadian dollars)


Over


Within 1 year


Personal Banks


Business and government


Designated at fair value through profit or loss1 Trading


Total 1


$ 28,897 9,115


48,211 176


76,677 $ 163,076


1 year to 2 years


$ 9,236 3


19,927 –


1,103 $ 30,269


Included in Other financial liabilities designated at fair value through profit or loss on the Consolidated Balance Sheet.


Term Deposits due within a Year (millions of Canadian dollars)


October 31 2016


Over 3 Within


Personal Banks


Business and government


Designated at fair value through profit or loss1 Trading


Total 1


Included in Other financial liabilities designated at fair value through profit or loss on the Consolidated Balance Sheet.


3 months $ 9,870


8,797


29,961 102


27,606 $ 76,336


months to 6 months


$ 7,794 231


8,064 12


23,930 $ 40,031 Over 6


months to 12 months


$ 11,233 87


10,186 62


25,141 $ 46,709 Total


$ 28,897 9,115


48,211 176


76,677 $ 163,076 Total


$ 28,539 10,058 52,800 1,226


72,408 $ 165,031 Over


2 years to 3 years


$ 6,379 3


13,854 –


354 $ 20,590 Over


3 years to 4 years


$ 2,730 –


12,687 –


390 $ 15,807 Over


4 years to 5 years


$ 2,806 –


20,411 –


482 $ 23,699 Over 5 years


12,492 –


780 Total 9,133


127,582 176


79,786 Total


$ 132 $ 50,180 $ 50,415 12


10,078


114,227 1,402


74,759 $ 13,416 $ 266,857 $ 250,881 5


73,011 – –


Notice 43


116,634 – –


By Type Term


9,133


127,582 176


79,786 By Country


$ 14,531 $ 374,521 $ 50,180 $ 203,608 8,025


12,745


221,300 176


7,229 $ 95,567 $ 491,198 $ 266,857 $ 445,058


Canada United States International $ 234,380


472


93,916 –


44,045 $ 372,813 28,512 Total 17,201


317,227 176


Balance Sheet. The deposits are generally term deposits, guaranteed investment certificates, senior debt, and similar instruments. The aggregate amount of term deposits in denominations of $100,000 or more as at October 31, 2016, was $231 billion (October 31, 2015 – $213 billion).


Certain deposit liabilities are classified as Trading deposits on the Consolidated Balance Sheet and accounted for at fair value with the change in fair value recognized on the Consolidated Statement of Income.


As at


October 31 October 31 2016


2015 Total


$ 1,244 $ 439,232 $ 395,818 3,984 2,011 –


17,080


282,678 1,402


79,786 74,759 $ 35,751 $ 853,622 $ 771,737


$ 35,401 $ 27,661 53,089


47,485


409,657 355,456 19


369,622 326,885 84


$ 853,622 $ 771,737


Certain comparative amounts have been reclassified to conform with the presentation adopted in the current period.


As at October 31, 2016, includes deposits of $474 billion (October 31, 2015 – $438 billion) denominated in U.S. dollars and $48 billion (October 31, 2015 – $36 billion) denominated in other foreign currencies.


As at


October 31 October 31 2016


2015


As at


October 31 2015


TD BANK GROUP ANNUAL REPORT 2016 FINANCIAL RESULTS 171


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