TD Bank 2006 Annual Report Download - page 30

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TD BANK FINANCIAL GROUP ANNUAL REPORT 2006 Management’s Discussion and Analysis
26
BUSINESS SEGMENT ANALYSIS
Canadian Personal and
Commercial Banking
Canadian Personal and Commercial Banking com-
prises the Bank’s personal and business banking
business in Canada, as well as the Bank’s global
insurance operations (excluding the U.S.). Under
the TD Canada Trust brand, the retail operations
provide a full range of financial products and
services to approximately 11 million personal and
small business customers.
$1,966
(millions of Canadian dollars)
Net income
04 05 06
0
$2,000
1,000
1,500
500
54.8%
(percent)
Efficiency ratio
04 05 06
60%
50
40
30
20
10
0
$1,303
(millions of Canadian dollars)
Economic profit
04 05 06
$1,500
1,000
500
0
Revenues
(millions of Canadian dollars) 2006 200522004
Insurance, net of claims $911 $ 835 $ 659
Real estate secured lending 1,103 912 815
Business banking 1,538 1,441 1,308
Consumer lending 1,460 1,262 1,190
Personal deposits 2,199 2,000 1,988
Other1241 253 260
Total $7,452 $6,703 $6,220
1Other revenue includes internal commissions on sales of mutual funds and other
Wealth Management products, fees for foreign exchange, safety deposit box rentals
and other branch services.
2Certain comparative amounts have been restated to conform with the presentation
adopted in the current year.