Start Time: 08:30 January 1, 0000 9:36 AM ET

The Toronto-Dominion Bank (NYSE:TD)

Q1 2024 Earnings Conference Call

February 29, 2024, 08:30 AM ET

Company Participants

Bharat Masrani - Group President and CEO

Kelvin Tran - Group Head and CFO

Ajai Bambawale - Group Head and Chief Risk Officer

Raymond Chun - Group Head, Canadian Personal Banking

Riaz Ahmed - Group Head, Wholesale Banking

Barbara Hooper - Group Head, Canadian Business Banking

Tim Wiggan - Group Head, Wealth Management and Insurance

Brooke Hales - VP, IR

Conference Call Participants

Ebrahim Poonawala - Bank of America

Gabriel Dechaine - National Bank Financial

Paul Holden - CIBC

Mike Rizvanovic - KBW Research

Meny Grauman - Scotiabank

Sohrab Movahedi - BMO Capital Markets

Lemar Persaud - Cormark

Darko Mihelic - RBC Capital Markets

Operator

Good morning, everyone, and welcome to the TD Bank Group Q1 2024 Earnings Conference Call.

I would now like to turn the meeting over Ms. Brooke Hales, Head of Investor Relations. Please go ahead, Ms. Hales.

Brooke Hales

Thank you, operator. Good morning, and welcome to TD Bank Group's First Quarter 2024 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 Credit, the Anishinaabe, the Chippewa, the Haudenosaunee, and the Wendat Peoples, and is now home to many diverse nations, Métis and Inuit People. We also acknowledge that Toronto was covered by Treaty 13 signed with the Mississaugas of 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 first 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 Raymond Chun, Group Head, Canadian Personal Banking; Barbara Hooper, Group Head, Canadian Business Banking; Tim Wiggan, 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.

With the move to the morning call, we will be ending promptly at 9.30 AM. Accordingly, please limit yourself to one or two questions and then re-queue.