TD Bank 2012 Annual Report Download - page 32

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TD BANK GROUP ANNUAL REPORT 2012 MANAGEMENT’S DISCUSSION AND ANALYSIS30
(millions of dollars) Canadian dollars
U.S. dollars
2012 2011 2012 2011
Consumer loans $ 43,721 $ 35,004 $ 43,765 $ 35,120
Business and government loans 47,546 43,057 47,594 43,200
Debt securities classified as loans 2,898 3,804 2,901 3,817
Investment securities 37,354 43,562 37,391 43,706
Other assets 2,242 2,695 2,244 2,703
Total $ 133,761 $ 128,122 $ 133,895 $ 128,546
BUSINESS SEGMENT ANALYSIS
U.S. Personal and Commercial Banking
Operating under the brand name, TD Bank, America’s Most Convenient Bank, U.S. Personal and
Commercial Banking offers a full range of banking services to nearly 8 million customers including
individuals, businesses, and governments.
1 Excluding all goodwill and other intangibles.
ASSETS1
TABLE 20
0
$1,600
1,200
800
400
NET INCOME
(millions of Canadian dollars)
Adjusted
Reported
11 12
80%
60
40
20
0
11 12
EFFICIENCY RATIO
(percent)
Adjusted
Reported
$1,128
Reported
$1,422
Adjusted
67.3%
Reported
60.2%
Adjusted