TD Bank 2007 Annual Report Download - page 7

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Canadian
Retail
66%
Wholesale
20%
U.S. Retail
14% Retail
66%
TD BANK FINANCIAL GROUP ANNUAL REPORT 2007 TDBFG Stories 3
A Strategy That Delivers
TD’s great results in 2007 moved us closer to our goal of being the most
integrated and dynamic customer focused bank in North America. We said
we’re going to grow earnings per share by 7-10% and this year we did that
and more. The result – TD delivered a total shareholder return of 13%.
Relentless Focus on
the Customer
Shareholder value in nancial
services is created by awless
execution while always keeping
the customer front and centre.
At TD, we’re constantly looking
at our processes and guring out
how to do things better. Through
hard work and focus, TD
employees, each day, strive to
run the Bank that much better
than the day before.
An Employer of
Choice
Thanks to our spirited team of
over 58,000 employees, TD was
recognized in 2007 as “One of
the Best Workplaces” in Canada
by Canadian Business Magazine,
and one of the Top Employers in
Canada by Maclean’s Magazine
and the Financial Post.
Lower Risk Profile
Five years ago TD set out to consistently grow earnings
without extending out the risk curve. Our successful altering
of the Bank’s risk-reward prole was a strategic advantage
for us in this year of turbulent market conditions. Our return
on risk-weighted assets clearly shows that we’re better at
nding businesses that will earn us a signicantly higher rate
of return for every dollar of risk we take – we’re well ahead
of our North American peers on this front.
A Powerful Business Mix
We’re heavily weighted to deliver consistent and stable retail earnings.
We call it our 80/20 split. TD generates about 80% of its prots from
the combination of our Canadian and U.S. retail operations and about
20% from our Wholesale banking business.
A Superior
Banking Model
At TD’s core is a Canadian retail branch
network built on best-in-class convenience
and service. We have #1 or #2 market share
in most retail products. That’s why we keep
signicantly outgrowing our peers in both
revenue and prots.
02 04 07
$12.0
$25.7
$53.9
TD Canada Trust teller
Valerie Sampson
decided to learn
sign language
to better serve
a Deaf
customer.
A Top 10 North American Bank
(Market capitalization in billions of US dollars)