The Toronto-Dominion Bank (NYSE:TD) Q4 2024 Earnings Conference Call December 5, 2024 9:30 AM ET
Company Participants
Brooke Hales - Head, IR
Bharat Masrani - Group President, CEO & Director
Raymond Chun - COO & Director
Kelvin Vi Tran - Group Head & CFO
Ajai Bambawale - Group Head & Chief Risk Officer
Sona Mehta - Group Head, Canadian Personal Banking
Conference Call Participants
Gabriel Dechaine - National Bank Financial
Meny Grauman - Scotiabank
Ebrahim Poonawala - Bank of America Merrill Lynch
Paul Holden - CIBC
Darko Mihelic - RBC Capital Markets
Leo Salom - Group Head, U.S. Retail, TD Bank Group & President and CEO, TD Bank, America's Most Convenient Bank
Sohrab Movahedi - BMO Capital Markets
Tim Wiggan - President & CEO, TD Securities Group Head, Wholesale Banking, TD Bank Group
Darko Mihelic - RBC Capital Markets
Operator
Good morning, everyone. Welcome to the TD Bank Group Q4 2024 Earnings Conference Call. I would now like to turn the meeting over to 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 Fourth 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 the Credit, the Anishinaabe, the Chippewa, the Haudenosaunee and the Wendat people and is now home to many diverse First Nations, Métis and Inuit people. We also acknowledge that Toronto was covered by Treaty 13 signed with the Mississaugas of the Credit and the Williams treaty signed with multiple Mississaugas and Chippewa bands.
We will begin today's presentation with remarks from Bharat Masrani, the bank's CEO; followed by Ray Chun, the bank's COO; 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 prequalified analysts and investors on the phone. Also present today to answer your questions are Sona Mehta, Group Head, Canadian Personal Banking; Barbara Hooper, Group Head, Canadian Business Banking; Leo Salom, President and CEO, TD Bank, America's most Convenient Bank; Tim Wiggan, Group Head, Wholesale Banking and President and CEO, TD Securities; Paul Clark, Senior Executive Vice President, Wealth Management.