TD Bank 2003 Annual Report Download - page 3

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TD BANK FINANCIAL GROUP ANNUAL REPORT 2003 1
Welcome to TD Bank Financial Group’s
2003 Annual Report.
Our Annual Report aims to provide our shareholders, customers and
employees with an overview of the year. It describes how our businesses
performed in 2003, and how we repositioned the Bank for renewed
growth and performance. Most importantly, the report reaffirms one
of our guiding principles – to be customer driven.
We remain focused on being the better bank and providing our
customers with a more comfortable experience wherever and however
they interact with us.
The Year at a Glance 2
To Our Shareholders
Chairman of the Board’s Message 4
President and CEO’s Message 6
Management’s Discussion and Analysis 9
Financial Results 54
More About Us
Shareholder and Investor Information 97
Corporate Governance 98
Senior Officers 102
The Future Matters 104