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TD BANK FINANCIAL GROUP ANNUAL REPORT 2005 Management’s Discussion and Analysis 45
Percentage of total
(millions of Canadian dollars, except percentage amounts) 2005 2004 2003 2005 2004 2003
Canada
Residential mortgages $ 49,067 $ 51,374 $ 52,525 31.0% 39.7% 42.1%
Consumer instalment and other personal 54,063 46,814 38,623 34.2 36.2 31.0
Total residential and personal 103,130 98,188 91,148 65.2 75.9 73.1
Real estate development
Commercial and industrial 1,326 1,343 1,491 .9 1.0 1.2
Residential 1,608 1,395 1,247 1.0 1.1 1.0
Retail 388 346 352 .2 .3.3
Real estate services 267 251 300 .2 .2 .2
Total real estate 3,589 3,335 3,390 2.3 2.6 2.7
Agriculture 2,187 2,155 2,428 1.4 1.7 1.9
Apparel and textile 309 270 323 .2 .2 .3
Automotive 1,283 1,404 1,644 .8 1.1 1.3
Cable 386 543 417 .2 .4.3
Chemical 424 435 415 .3 .3.3
Construction 754 764 694 .5 .6.6
Financial 3,745 1,983 1,960 2.4 1.5 1.6
Food, beverage and tobacco 1,367 1,233 1,319 .9 1.0 1.1
Forestry 530 427 563 .3 .3.5
Government 537 464 589 .3 .4 .5
Health and social services 1,264 1,130 1,144 .8 .9 .9
Media and entertainment 1,201 904 1,111 .8 .7 .9
Metals and mining 451 464 600 .3 .4 .5
Oil and gas 1,205 863 941 .8 .7.7
Retail 1,020 1,071 1,072 .6 .8.8
Sundry manufacturing 810 905 910 .5 .7.7
Telecommunications 21 60 92 ––.1
Transportation 520 448 600 .3 .3.5
Utilities 558 613 665 .3 .5 .5
All other loans 1,738 1,935 1,487 1.1 1.4 1.2
Total business and government 23,899 21,406 22,364 15.1 16.5 17.9
Total Canada 127,029 119,594 113,512 80.3 92.4 91.0
United States
Residential mortgages 3,625 ––2.3 ––
Consumer instalment and other personal 11,258 4,294 4,272 7.1 3.3 3.4
Total residential and personal 14,883 4,294 4,272 9.4 3.3 3.4
Real estate development
Residential 1,498 16 85 .9 –.1
Real estate services 6,009 –43.8 – –
Total real estate 7,507 16 89 4.7 –.1
Agriculture 103 – – .1 ––
Apparel and textile 39 – – –– –
Automotive 317 52 91 .2 –.1
Cable 161 145 363 .1 .1 .3
Chemical 208 –24 .1 – –
Construction 291 527 .2 – –
Financial 1,280 772 264 .9 .6 .2
Food, beverage and tobacco 198 103 106 .1 .1 .1
Forestry 178 68 209 .1 .1 .2
Government 290 328 151 .2 .3 .1
Health and social services 369 –57 .3 ––
Media and entertainment 448 183 351 .3 .1 .3
Metals and mining 193 10 42 .1 – –
Oil and gas 192 152 451 .1 .1 .5
Retail 214 –59 .1 ––
Sundry manufacturing 448 74 9 .3 ––
Telecommunications 230 111 333 .1 .1 .3
Transportation 197 31 57 .1 – –
Utilities 292 476 1,171 .2 .4 .9
All other loans 1,491 207 247 1.0 .2 .2
Total business and government 14,646 2,733 4,101 9.3 2.1 3.3
Total United States 29,529 7,027 8,373 18.7 5.4 6.7
Other International
Residential mortgages ––––––
Consumer instalment and other personal 911 13 –––
Total residential and personal 9 11 13 –––
Real estate development - retail ––19 –––
Apparel and textile ––38 –––
Automotive 83 –3 .1 ––
Cable –77 298 –.1 .3
Chemical 52 60 80 –.1 .1
Construction 6121 –––
Financial 755 1,728 466 .5 1.3 .4
Food, beverage and tobacco 97 102 141 .1 .1 .1
Forestry 318 27 –––
Government 14 – – –––
Media and entertainment 199 252 255 .1 .2 .2
Metals and mining 110 18 10 .1 ––
Oil and gas ––278 ––.2
Sundry manufacturing 122 2 –––
Telecommunications 51 140 309 –.1 .3
Transportation 52 47 50 ––.1
Utilities 217 182 652 .1 .2 .5
All other loans 25 152 156 –.1 .1
Total business and government 1,665 2,799 2,805 1.0 2.2 2.3
Total Other International 1,674 2,810 2,818 1.0 2.2 2.3
Total $158,232 $129,431 $124,703 100.0% 100.0% 100.0%
Percentage change 22.3% 3.8% (4.3)%
1Based on geographic location of unit responsible for recording revenue.
LOANS AND ACCEPTANCES, NET OF ALLOWANCE FOR CREDIT LOSSES BY INDUSTRY SECTOR1
TABLE 21