T ABLE 23
LOANS AND ACCEPTANCES, NET OF COUNTERPARTY-SPECIFIC AND INDIVIDUALLY INSIGNIFICANT ALLOWANCES BY INDUSTRY SECTOR (continued)1
(millions of Canadian dollars, except as noted)
October 31 2016
Gross loans
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 Agriculture
Automotive Financial
Food, beverage, and tobacco Forestry
Government, public sector entities, and education
Health and social services
Industrial construction and trade contractors Metals and mining Pipelines, oil, and gas Power and utilities
Professional and other services Retail sector
Sundry manufacturing and wholesale Telecommunications, cable, and media Transportation Other
Total business and government Total United States
International Personal
Business and government Total international
Total excluding other loans Other loans
Debt securities classified as loans Acquired credit-impaired loans2
Total other loans Total
Incurred but not identified allowance Personal, business and government Debt securities classified as loans
Total incurred but not identified allowance Total, net of allowance
Percentage change over previous year – loans and acceptances, net of counterparty-specific and individually insignificant allowances
Percentage change over previous year – loans and acceptances, net of allowance
1 Primarily based on the geographic location of the customer’s address. 2 Includes all FDIC covered loans and other ACI loans.
$ 27,662 13,208
28,370 745
13,680 83,665
6,852
21,675 28,527 570
5,757 4,719 3,741 594
11,388 10,792
1,834 1,490 3,006 2,643
11,215 4,553 7,395 4,819
11,648 2,022
116,713 200,378
16
1,513 1,529
602,587
1,674 974
2,648 $ 605,235
$ 34 76
6 3
184 303
7
12 19 –
1 3 2 7
1 5
4 4
25 1 8 8 6 1 1 8
104 407
– –
– 724
206 62
268 $ 992
$ 27,628 13,132
28,364 742
13,496 83,362
6,845
21,663 28,508 570
5,756 4,716 3,739 587
11,387 10,787
1,830 1,486 2,981 2,642
11,207 4,545 7,389 4,818
11,647 2,014
116,609 199,971
16
1,513 1,529
601,863
1,468 912
2,380 $ 604,243
2,826 55
2,881 $ 601,362
$ 26,892 13,285
24,855 690
12,165 77,887
5,680
18,303 23,983 467
3,025 5,877 2,534 562
9,088 9,716
1,491 1,160 1,485 1,797 8,663 4,207 7,002 4,068
11,115 891
97,131 175,018 5
1,978 1,983
560,236
1,980 1,331
3,311 $ 563,547
2,503 57
2,560 $ 560,987
$ 23,326 11,646
18,777 613
7,543 61,905 4,288
14,023 18,311 363
2,529 3,342 2,085 469
6,422 7,371
1,300 1,075 940
1,269 6,403 3,150 4,257 1,985 7,164 908
69,343 131,248 9
2,124 2,133
490,122
2,482 1,616
4,098 $ 494,220
2,172 59
2,231 $ 491,989
4.6% 2.2
4.7 0.1 2.2
13.8
1.1 3.6
4.7 0.1
1.0 0.8 0.6 0.1
1.9 1.8
0.3 0.2 0.5 0.4 1.9 0.8 1.2 0.8 1.9 0.3
19.3 33.1
–
0.2 0.2
99.6
0.2 0.2
0.4 100.0%
4.8% 2.3
4.4 0.1 2.2
13.8
1.0 3.3
4.3 0.1
0.5 1.0 0.4 0.1
1.6 1.7
0.3 0.2 0.3 0.3 1.5 0.7 1.3 0.7 2.0 0.2
17.2 31.0
–
0.4 0.4
99.4
0.4 0.2
0.6 100.0%
4.7% 2.4
3.8 0.1 1.5
12.5
0.9 2.8
3.7 0.1
0.5 0.7 0.4 0.2
1.2 1.5
0.3 0.2 0.2 0.3 1.2 0.6 0.9 0.4 1.3 0.3
14.0 26.5
–
0.5 0.5
99.2
0.5 0.3
0.8 100.0%
Counterparty- specific and individually insignificant allowances
October 31 2015
As at
October 31 2014
October 31 2016
October 31 2015
Percentage of total October 31
2014
Net loans
Net loans
Net loans
7.2% 7.2
14.0% 14.0
9.0% 9.0
44 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
