RESULTS BY GEOGRAPHY


For reporting of geographic results, segments are grouped into Canada, United States, and Other international. Transactions are primarily recorded in the location responsible for recording the revenue or assets. This location frequently corresponds with the location of the legal entity through which the business is conducted and the location of the customer.


(millions of Canadian dollars)


For the years ended October 31 2016


Income before Canada United States


Other international Total


Canada United States


Other international Total


Canada United States


Other international Total


Total revenue income taxes $ 20,374


12,217 1,724


$ 34,315


$ 20,224 10,140 1,062


$ 31,426


$ 19,642 8,363 1,956


$ 29,961


$ 6,760 2,873 1,013


$ 10,646


$ 6,625 2,040 505


$ 9,170


$ 6,314 1,579 1,182


$ 9,075


Net income $ 5,133


2,436 1,367


$ 8,936 2015


$ 5,361 1,802 861


$ 8,024 2014


$ 5,106 1,284 1,493


$ 7,883


Total assets $ 632,215


462,330 82,422


$ 1,176,967 2015


$ 623,061 417,186 64,126


$ 1,104,373 2014


$ 554,036 324,865 81,610


$ 960,511


As at October 31 2016


NOTE 31


INTEREST RATE RISK


The Bank earns and pays interest on certain assets and liabilities. To the extent that the assets and liabilities mature or reprice at different points in time, the Bank is exposed to interest rate risk. The following table details the balances of interest-rate sensitive assets and liabilities by the earlier of the maturity or repricing date. Contractual repricing dates may be adjusted according to management’s estimates for prepayments or early redemptions that are independent of changes


in interest rates. Certain assets and liabilities are shown as non-rate sensitive although the profile assumed for actual management may be different. Derivatives are presented in the floating rate category. The Bank’s risk management policies and procedures relating to credit, market, and liquidity risks as required under IFRS 7 are outlined in the shaded sections of the “Managing Risk” section of the MD&A.


192 TD BANK GROUP ANNUAL REPORT 2016 FINANCIAL RESULTS


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