The Toronto-Dominion Bank (TD) Q3 2022 Earnings Call Transcript

The Toronto-Dominion Bank (NYSE:TD) Q3 2022 Results Conference Call August 25, 2022 1:30 PM ET

Company Participants

Brooke Hales - Vice President, Investor Relations

Bharat Masrani - Chief Executive Officer

Kelvin Tran - Chief Financial Officer

Ajai Bambawale - Chief Risk Officer

Michael Rhodes - Group Head, Canadian Personal Banking

Paul Douglas - Group Head, Canadian Business Banking

Raymond Chun - Group Head, Wealth & Insurance

Leo Salom - President and CEO, TD Bank, America's Most Convenient Bank

Riaz Ahmed - Group Head, Wholesale Banking

Conference Call Participants

Ebrahim Poonawala - Bank of America

Doug Young - Desjardins Capital Markets

Gabriel Dechaine - National Bank Financial

Meny Grauman - Scotiabank

Paul Holden - CIBC

Lemar Persaud - Cormark Securities

Nigel D’Souza - Veritas Investment Research

Jo Ho Kim - Credit Suisse

Darko Mihelic - RBC Capital Markets

Mike Rizvanovic - KBW Research

Scott Chan - Canaccord Genuity

Operator

Good afternoon, everyone, and welcome to the TD Bank Group Q3 2022 Earnings Conference Call. I would now like to turn the meeting over to Ms. Brooke Hales. Please go ahead, Ms. Hales.

Brooke Hales

Thank you, Operator. Good afternoon, and welcome to TD Bank Group's Third Quarter 2022 Investor Presentation. We will begin today's presentation with remarks from Bharat Masrani, the bank's CEO, after which Kelvin Tran, the bank's CFO, will present our third quarter operating results. Ajai Bambawale, Chief Risk Officer, will then offer comments on credit quality, after which we will invite questions from pre-qualified analysts and investors on the phone.

Also present today to answer your questions are Michael Rhodes, Group Head, Canadian Personal Banking; Paul Douglas, Group Head, Canadian Business Banking; Raymond Chun, Group Head, Wealth Management and Insurance; Leo Salom, President and CEO, TD Bank, America's Most Convenient Bank; and Riaz Ahmed, Group Head, Hotel Banking. Please turn to Slide 2.

At this time, I would like to caution our listeners that this presentation contains forward-looking statements that there are risks that actual results could differ materially from what is discussed and that certain material factors or assumptions were applied in making these forward-looking statements.

Any forward-looking statements contained in this presentation represent the views of management and are presented for the purpose of assisting the bank's shareholders and analysts in understanding the bank's financial position, objectives and priorities, and anticipated financial performance. Forward-looking statements may not be appropriate for other purposes.