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T ABLE 29 (millions of Canadian dollars,


except as noted)


Counterparty- specific and


Gross individually 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


Business and government Total international Total


Net impaired loans as a % of common equity


$ 452


939 196 7


222 1,816


61 99


160 1


15 27


6


19 9


34 26


8


102 1


83 51


47 10


26 14


639 2,455


– –


$ 3,509 $ 34 $ 418 $ 361 $ 303 $ 250 $ 187


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


– –


863 190 4


38 1,513


54 87


141 1


14 24


4


12 8


29 22 77


4 –


75 43


41 9


25 6


535 2,048


– –


4.09%


1 Primarily based on the geographic location of the customer’s address. 2


780 155 5


44 1,345 68


133 201 1


11 26


7 –


8


38 30


13 6 –


74 65


40 13


31 5


569 1,914


– –


4.24%


Excludes FDIC covered loans and other ACI loans. For additional information refer to the “Exposure to Acquired Credit-Impaired Loans” discussion and table in this section of the document and Note 8 of the 2016 Consolidated Financial Statements.


325 128 4


29 789 79


154 233 1


14 25


9 1


16 49


26 9 – –


84 80


39 16


15 5


622 1,411


– –


4.28% 3


204 76 1


98 629 98


205 303 1


12 8


10 1


19 23


46 18 – –


68 99


28 12


39 12


699 1,328


– –


4.83%


179 24 2 3


395


133 191


324 2


15 6


7 1


7


18 40


26 4 –


41 70


46 10


32 14


663 1,058


– –


$ 724 $ 2,785 $ 2,660 $ 2,244 $ 2,243 $ 2,100 4.86%


Excludes debt securities classified as loans. For additional information refer to the “Exposure to Non-Agency Collateralized Mortgage Obligations” section of this document and Note 8 of the 2016 Consolidated Financial Statements.


15.0%


31.0 6.8 0.1 1.4


54.3


1.9 3.1


5.0 –


0.5 0.9


0.1 0.4


0.3 1.1


0.8 0.1 2.8 –


2.7 1.6


1.5 0.3


0.9 0.2


19.2 73.5


– –


13.6%


29.3 5.8 0.2 1.7


50.6


2.6 5.0


7.6 –


0.4 1.0


0.3 –


0.3 1.4


1.1 0.5 0.2 –


2.8 2.4


1.5 0.5


1.2 0.2


21.4 72.0


– –


13.5%


14.5 5.7 0.2 1.3


35.2


3.5 6.9


10.4 –


0.6 1.1


0.4 –


0.7 2.2


1.2 0.4 – –


3.7 3.6


1.7 0.7


0.7 0.3


27.7 62.9


– –


11.1%


9.1 3.4 0.1 4.3


28.0


4.4 9.1


13.5 0.1


0.5 0.4


0.4 0.1


0.8 1.0


2.1 0.8 – –


3.0 4.4


1.3 0.5


1.8 0.5


31.2 59.2


– –


8.9%


8.5 1.2 0.1 0.1


18.8


6.3 9.1


15.4 0.1


0.7 0.3


0.3 0.1


0.3 0.8


1.9 1.2 0.2 –


2.0 3.4


2.2 0.5


1.5 0.7


31.6 50.4


– –


100.0% 100.0% 100.0% 100.0% 100.0% Net


impaired insignificant impaired loans allowances


loans Net


impaired loans


Net


impaired loans


Net


impaired loans


Net


impaired loans


IMPAIRED LOANS NET OF COUNTERPARTY-SPECIFIC AND INDIVIDUALLY INSIGNIFICANT ALLOWANCES BY INDUSTRY SECTOR (continued)1,2,3


As at


Oct. 31 2016


Oct. 31 2015


Oct. 31 2014


Oct. 31 2013


Oct. 31 2012


Oct. 31 2016


Oct. 31 2015


Oct. 31 2014


Percentage of total Oct. 31


2013


Oct. 31 2012


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


49


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