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TD BANK FINANCIAL GROUP ANNUAL REPORT 2006 Management’s Discussion and Analysis 45
Percentage of total
(millions of Canadian dollars, except percentage amounts) 2006 2005 2004 2006 2005 2004
Canada
Residential mortgages $50,220 $49,067 $ 51,374 29.7% 31.0% 39.7%
Consumer instalment and other personal 59,199 54,063 46,814 35.0 34.2 36.2
Total residential and personal 109,419 103,130 98,188 64.7 65.2 75.9
Real estate development
Commercial and industrial 958 1,326 1,343 .6 .9 1.0
Residential 2,183 1,608 1,395 1.3 1.0 1.1
Retail 347 388 346 .2 .2 .3
Real estate services 263 267 251 .2 .2.2
Total real estate 3,751 3,589 3,335 2.3 2.3 2.6
Agriculture 2,243 2,187 2,155 1.3 1.4 1.7
Apparel and textile 303 309 270 .2 .2.2
Automotive 1,330 1,283 1,404 .8 .8 1.1
Cable 278 386 543 .2 .2.4
Chemical 479 424 435 .3 .3.3
Construction 912 754 764 .5 .5.6
Financial 3,299 3,745 1,983 1.9 2.4 1.5
Food, beverage and tobacco 1,498 1,367 1,233 .9 .9 1.0
Forestry 508 530 427 .3 .3.3
Government 557 537 464 .3 .3 .4
Health and social services 1,680 1,264 1,130 1.0 .8 .9
Media and entertainment 2,078 1,201 904 1.2 .8.7
Metals and mining 975 451 464 .6 .3 .4
Oil and gas 2,678 1,205 863 1.5 .8.7
Retail 1,105 1,020 1,071 .7 .6.8
Sundry manufacturing 859 810 905 .5 .5 .7
Telecommunications 120 2160.1 – –
Transportation 543 520 448 .3 .3.3
Utilities 482 558 613 .3 .3 .5
All other loans 1,505 1,738 1,935 .9 1.1 1.4
Total business and government 27,183 23,899 21,406 16.1 15.1 16.5
Total Canada 136,602 127,029 119,594 80.8 80.3 92.4
United States
Residential mortgages 3,165 3,625 –1.9 2.3 –
Consumer instalment and other personal 8,336 11,258 4,294 4.9 7.1 3.3
Total residential and personal 11,501 14,883 4,294 6.8 9.4 3.3
Real estate development
Residential 1,614 1,498 16 1.0 .9 –
Real estate services 8,894 6,009 – 5.3 3.8 –
Total real estate 10,508 7,507 16 6.3 4.7 –
Agriculture118 103 –.1 .1 –
Apparel and textile 64 39 ––– –
Automotive 309 317 52 .2 .2 –
Cable 195 161 145 .1 .1 .1
Chemical 272 208 – .2 .1 –
Construction 295 291 5 .2 .2 –
Financial 842 1,280 772 .5 .9 .6
Food, beverage and tobacco 236 198 103 .1 .1 .1
Forestry 350 178 68 .2 .1 .1
Government 110 290 328 .1 .2 .3
Health and social services 337 369 – .2 .3 –
Media and entertainment 478 448 183 .3 .3 .1
Metals and mining 177 193 10 .1 .1 –
Oil and gas 290 192 152 .2 .1 .1
Retail 321 214 –.2 .1 –
Sundry manufacturing 457 448 74 .3 .3 –
Telecommunications 233 230 111 .1 .1 .1
Transportation 210 197 31 .1 .1 –
Utilities 231 292 476 .1 .2 .4
All other loans 2,905 1,491 207 1.6 1.0 .2
Total business and government 18,938 14,646 2,733 11.2 9.3 2.1
Total United States 30,439 29,529 7,027 18.0 18.7 5.4
Other International
Consumer instalment and other personal 8911 –– –
Total residential and personal 8 911 –– –
Automotive –83 – –.1 –
Cable 63 –77 ––.1
Chemical –52 60 ––.1
Construction –61 –––
Financial 918 755 1,728 .5 .5 1.3
Food, beverage and tobacco 116 97 102 .1 .1 .1
Forestry 23 18 –––
Government –14 – –––
Media and entertainment 180 199 252 .1 .1 .2
Metals and mining 288 110 18 .2 .1 –
Sundry manufacturing –122 –– –
Telecommunications 29 51 140 ––.1
Transportation 110 52 47 .1 – –
Utilities 487 217 182 .2 .1 .2
All other loans 42 25 152 ––.1
Total business and government 2,235 1,665 2,799 1.2 1.0 2.2
Total Other International 2,243 1,674 2,810 1.2 1.0 2.2
Total $169,284 $158,232 $129,431 100.0% 100.0% 100.0%
Percentage change 7.0% 22.3% 3.8%
1Based on geographic location of unit responsible for recording revenue.
LOANS AND ACCEPTANCES, NET OF ALLOWANCE FOR CREDIT LOSSES BY INDUSTRY SECTOR1
TABLE 23