TD Bank 2006 Annual Report Download - page 34

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TD BANK FINANCIAL GROUP ANNUAL REPORT 2006 Management’s Discussion and Analysis
30
Revenues
(millions of Canadian dollars) 2006 20051
Commercial real estate lending $644 $299
Residential real estate lending 186 136
Consumer lending (including home equity loans) 550 248
Commercial lending 562 196
Treasury/corporate 250 199
Insurance 62 38
Wealth management 74 45
Chequing and banking fees 264 141
Less: unallocated interest expense (812) (298)
Total $1,780 $1,004
1For the seven month period March 1, 2005 to September 30, 2005.
Assets1
(millions of Canadian dollars) 2006 2005
Residential mortgages $3,164 $3,632
Consumer loans 8,347 6,984
Business and government loans 17,186 12,555
Investment securities 5,070 5,263
Other assets 3,303 2,425
Total $37,070 $ 30,859
1Excluding all goodwill and other intangibles.
$236
(millions of Canadian dollars)
Net income
05 06
0
$250
200
100
150
50
61.1%
(percent)
Efficiency ratio
05 06
70%
50
60
40
30
20
10
0
$(239)
(millions of Canadian dollars)
Economic loss
05 06
-100
-50
-150
-200
-250
$0
BUSINESS SEGMENT ANALYSIS
U.S. Personal and
Commercial Banking
Operating under the TD Banknorth brand name,
U.S. Personal and Commercial Banking offers
a full range of banking services and products,
including commercial, consumer, wealth
management and insurance agency services.