Transcript Building The Better Bank

TD Bank – At a Glance
NESA CONFERENCE
October 25, 2009
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Introduction to TD Bank
• At a time when the headlines are full of stories about bank failures and
lost trust in the financial services industry, it is important to realize that
not all banks are struggling. In fact, some banks are still growing.
• TD Bank is a growth company with a difference: we have and will
continue to grow without taking undue risk. As a result, TD is one of the
only banks in the world to avoid write-downs due to the sub-prime
mortgage market, and is one of only seven banks worldwide to have a
triple-A rating from Moody’s. This is the highest possible rating, and it
reflects our solid financial standing. TD has no sub-prime debt and our
liquidity position is one of the strongest in the industry.
• Our liquidity allows us to support the credit needs of our partners in the
markets we serve, and our profitability allows us to invest in state-of-the
art cash management and depository platforms to meet the growing
needs of our clients.
• TD’s consistent strategy of growth without taking undue risk offers the
financial security that many organizations desire, and we strive to bring
this same fiscally responsible approach to each of our relationships.
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The Current Landscape
S&P
Moody’s
Fitch
S&P
Outlook
Gross Loans/
Total Deposits
TARP Participant
(Capital in Millions)
TD Bank NA*
AA-
Aa2
AA-
Stable
56.7%
No
Bank of America
A+
A2
A+
Watch
Negative
102.5%
Yes - $45,000
BB&T Corp.
A
A1
AA-
Stable
106.4%
Yes - $3,134
BBB
Baa1
A-
Watch
Negative
87.1%
Yes - $3,555
Citigroup Inc.
A
A3
A+
Watch
Negative
86.2%
Yes - $49,034
JPMorgan Chase
A+
Aa3
AA-
Negative
78.1%
Yes - $25,000
M&T Bank Corp.
A-
A3
A-
Negative
115.2%
Yes - $600
PNC Financial Services
A
A1
A+
Watch
Negative
88.1%
Yes - $7,579
BBB+
Baa1
A-
Negative
104.1%
Yes - $4,850
AA-
A1
AA
Negative
105.8%
Yes - $25,000
Capital One Financial
SunTrust Banks Inc.**
Wells Fargo & Co.
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TD Bank At-a-Glance
• Member of TD Bank Financial Group, a global financial services
company
• Among 15 largest commercial banks in the U.S.
• $126 Billion in assets / 7 Million customers in the U.S.
• Safe, liquid and profitable – NO sub prime debt / NO TARP
assistance
• 1,000+ ‘Stores’ from Maine to Florida…and growing!
• Full service financial institution
• Headquarters in Cherry Hill, NJ and Portland, ME
• Relationship and convenience driven growth model
• Unique WOW! culture translates to award-winning customer service
and loyal Fans
• America’s Most Convenient Bank®
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TD Bank Financial Group At-aGlance
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Top ten financial services company in North America
$500 Billion in assets / 17 Million customers globally
Robust capital, liquidity and risk management
2,100+ ‘Stores’ in Canada and the U.S.
Trades on Toronto and New York stock exchanges under
symbol “TD”
Headquarters in Toronto
Continued investments in future growth, while managing
for efficiencies
Consistent WOW! focus creates legendary experiences
for customers
Leader in service and convenience in Canada and the
U.S.
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Our Businesses
TD Bank Financial Group
• Canadian Personal & Commercial Banking
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TD Canada Trust
TD Commercial Banking
TD Insurance
• U.S. Personal & Commercial Banking
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TD Bank
• Global Wealth
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TD Waterhouse
TD Asset Management
TD Wealth Management
• Wholesale
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TD Securities
• TD Ameritrade
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Service Excellence
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JD Power & Associates
J.D. Power & Associates 2006.2007,2008
and 2009 for Retail Banking
Satisfaction Survey
Commerce rates #1 in Customer
Satisfaction in the Mid-Atlantic
4Years
Running!
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Consumer Reports
Personal Banking Survey
#1 Overall Customer Satisfaction
• Key Strengths:
- Communication
- Telephone Service
- Convenience
- Online Banking
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Greenwich Associates
5 Business Banking Excellence Awards
National Awards:
• #1 Overall Customer Satisfaction
• #1 Online Services
Northeast Region:
• #1 Overall Customer Satisfaction
• #1 Cash Management Excellence
• #1 Personal Banking for Executives
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Banking Services
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Not-for-Profit Model
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Unique Not-for-Profit pricing model
Simplify bank pricing
No Fees
No idle compensating balances
Earn Interest on ALL collected balances
No deduction for float or reserves
Improve overall Return on Investment!
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Online Banking
• TD Bank’s TreasuryDirect
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Balance/transaction reporting – 365-day history
Images of checks paid – 365-day history
Deposit imaging – 365-day history
Incoming wire details
Global wire transfers
ACH Payroll direct deposit (US teachers)
Stop Payments
Positive Pay (best check fraud protection)
User ID / Password / Token protected
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Remote Deposit Capture
• Commerce RapidDeposit
• Covert paper check deposits to electronic
transactions
• Expedite the collection process
• Funds are available the next day!
• Eliminate courier costs
• Eliminate mail delays
• Flexible web based reports
• User ID and Password protected
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Prominent Organizations
Banking with TD Bank:
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Central Eastern European School Association (CEESA)
Association of International Schools in Africa (AISA)
Mediterranean Association of International Schools (MAIS)
East Asian Regional Council of Schools (EARCOS)
Near East South Asia School Association (NESA)
Association of American Schools In South America (AASSA)
Academy for International School Heads (AISH)
Association for the Advancement of International Education (AAIE)
Latin American Tri-Association (American Schools Association of Central
America, Colombia-Caribbean and Mexico)
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Thank You!
Joseph D. Pereira
Vice President & Relationship Manager
2070 Chain Bridge Road, Suite 145
Vienna, VA 22182
Phone: 703-663-4404
Fax: 703-663-4367
Email: [email protected]
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