The Toronto-Dominion Bank (NYSE:TD) Q4 2023 Earnings Conference Call November 30, 2023 1:30 PM ET

Company Participants

Brooke Hales - Vice President, Investor Relations

Bharat Masrani - Group President and Chief Executive Officer

Kelvin Tran - Group Head and Chief Financial Officer

Ajai Bambawale - Group Head and Chief Risk Officer

Michael Rhodes - Group Head, Canadian Personal Banking

Riaz Ahmed - Group Head, Wholesale Banking

Leo Salom - President and Chief Executive Officer, TD Bank, America's Most Convenient Bank

Conference Call Participants

Gabriel Dechaine - National Bank Financial

Doug Young - Desjardins Capital Markets

Ebrahim Poonawala - Bank of America

Meny Grauman - Scotiabank

Paul Holden - CIBC

Mike Rizvanovic - KBW Research

Nigel D'Souza - Veritas Investment Research

Sohrab Movahedi - BMO Capital Markets

Lemar Persaud - Cormark Securities

Darko Mihelic - RBC Capital Markets

Operator

Good afternoon, everyone. Welcome to the TD Bank Group Q4 2023 Earnings Conference Call.

I would 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 fourth quarter 2023 investor presentation. Many of us are joining today's meeting from lands across North America. North America is known as Turtle Island by many indigenous communities. I am currently situated in Toronto. As such, I would like to begin today's meeting by acknowledging that I am on the traditional territory of many nations, including The Mississaugas of the Credit, the Anishnabeg, the Chippewa, the Haudenosaunee, and the Wendat Peoples, and is now home to many diverse nations, Metis, and Inuit Peoples. We also acknowledge that Toronto is covered by Treaty 13 signed with The Mississaugas of the Credit and the Williams Treaties signed with multiple Mississaugas and Chippewa bands

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 fourth 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; Barbara Hooper, 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, Wholesale Banking.

Please turn to slide two. 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.