TD Bank 2014 Annual Report Download - page 211
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TD BANK GROUP ANNUAL REPORT 2014 FINANCIAL RESULTS 209
The following table presents the maximum exposure to credit risk of
financial instruments, before taking account of any collateral held or
other credit enhancements.
Gross Maximum Credit Risk Exposure
(millions of Canadian dollars) As at
October 31 October 31
2014 2013
Cash and due from banks $ 1,639 $ 2,455
Interest-bearing deposits with banks 43,773 28,583
Securities1
Trading
Government and government-insured securities 30,899 32,861
Other debt securities 9,019 9,628
Retained interest 48 67
Available-for-sale
Government and government-insured securities 31,707 37,897
Other debt securities 28,724 38,936
Held-to-maturity
Government and government-insured securities 34,119 25,890
Other debt securities 22,858 4,071
Securities purchased under reverse purchase agreements 75,031 64,283
Derivatives2 93,863 86,752
Loans
Residential mortgages 198,815 185,709
Consumer instalment and other personal 122,714 118,523
Credit card 24,570 21,380
Business and government 130,387 115,837
Debt securities classified as loans 2,423 3,473
Customers’ liability under acceptances 13,080 6,399
Amounts receivable from brokers, dealers and clients 9,319 9,183
Other assets 3,542 3,424
Total assets 876,530 795,351
Credit instruments3 118,971 106,169
Unconditionally cancellable commitments to extend credit
relating to personal lines of credit and credit card lines 197,829 177,755
Total credit exposure $ 1,193,330 $ 1,079,275
1
Excludes equity securities.
2
The gross maximum credit exposure for derivatives is based on the credit equivalent
amount. The amounts exclude exchange traded derivatives and non-trading credit
derivatives. See Note 11 for further details.
3
The balance represents the maximum amount of additional funds that the Bank
could be obligated to extend should the contracts be fully utilized. The actual
maximum exposure may differ from the amount reported above. See Note 29 for
further details.