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TD BANK FINANCIAL GROUP ANNUAL REPORT 2006 Management’s Discussion and Analysis 47
Percentage of total
(millions of Canadian dollars, except percentage amounts) 2006 2005 2004 2006 2005 2004
Canada
Residential mortgages $ 9 $8$15 3.8% 4.1% 5.5%
Consumer instalment and other personal 73 63 41 30.5 32.2 15.2
Total residential and personal 82 715634.3 36.3 20.7
Real estate development
Commercial and industrial –24–1.0 1.4
Residential –11–.5 .4
Total real estate –35–1.5 1.8
Agriculture 12 49 46 5.0 25.0 17.0
Apparel and textile –1(2) –.5 (.7)
Automotive 18 913 7.6 4.6 4.8
Chemical –111–5.6 .4
Construction 214.8 .5 1.4
Financial ––––––
Food, beverage and tobacco 11(8) .4 .5 (3.0)
Forestry 34 – 1 14.3 –.4
Health and social services ––1––.4
Media and entertainment ––3–– 1.1
Metals and mining 2–2.8 –.7
Oil and gas –– 3 ––1.1
Retail 31 1 1.3 .5.4
Sundry manufacturing 2– 9 .8 –3.3
Telecommunications ––––––
Transportation 1–1.4 –.4
Utilities ––––––
All other loans 3– 3 1.3 –1.1
Total business and government 78 76 83 32.7 38.7 30.6
Total Canada 160 147 139 67.0 75.0 51.3
United States
Real estate development
Commercial and industrial 21 23– 8.8 11.8 –
Residential 91–3.8 .5 –
Shopping Centres 11–.4 .5 –
Real Estate Services 64–2.5 2.0 –
Total real estate 37 29 –15.5 14.8–
Apparel and textile 1– – .4 – –
Automotive 1– – .4 – –
Cable –– – –– –
Chemical –– – –– –
Construction 63–2.5 1.5 –
Financial 1–15 .4 –5.5
Food, beverage and tobacco 21–.8 .5 –
Forestry –1––.5 –
Health and social services 1––.4 ––
Media and entertainment 21–.8 .5 –
Metals and mining 34–1.3 2.1 –
Retail 2––.8 ––
Sundry manufacturing 13 6–5.5 3.1 –
Telecommunications –– – –– –
Transportation 31–1.3 .5 –
Utilities –188 –.5 32.5
All other loans 7212 2.9 1.0 4.4
Total business and government 79 49 115 33.0 25.0 42.4
Total United States 79 49 115 33.0 25.0 42.4
Other International
Cable ––17 –– 6.3
Total business and government – –17 –– 6.3
Total Other International – –17 ––6.3
Total net impaired loans before general allowances 239 196 271 100.0% 100.0% 100.0%
Less: general allowances 1,145 1,140 917
Total net impaired loans $ (906) $ (944) $(646)
Net impaired loans as a % of common equity (4.7)% (6.0)% (5.1)%
1Based on geographic location of unit responsible for recording revenue.
IMPAIRED LOANS LESS ALLOWANCE FOR CREDIT LOSSES BY INDUSTRY SECTOR1
TABLE 26