The Toronto-Dominion Bank (TD) CEO Bharat Masrani on Q4 2019 Results - Earnings Call Transcript

The Toronto-Dominion Bank (NYSE:TD) Q4 2019 Earnings Conference Call December 5, 2019 1:30 PM ET

Company Participants

Gillian Manning - Vice President and Head of Investor Relations
Bharat Masrani - President and Chief Executive Officer
Riaz Ahmed - Chief Financial Officer
Ajai Bambawale - Chief Risk Officer
Theresa Currie - Group Head of Canadian Personal Banking
Gregory Braca - President and Chief Executive Officer of TD Bank, N.A.
Robert Dorrance - Group Head of Wholesale Banking

Conference Call Participants

Ebrahim Poonawala - Bank of America Merrill Lynch
Meny Grauman - Cormark Securities Inc.
Gabriel Dechaine - National Bank Financial
Sumit Malhotra - Scotiabank Global Banking and Markets
Robert Sedran - CIBC Capital Markets
Scott Chan - Canaccord Genuity
Nigel D'Souza - Veritas Investment Research
Sohrab Movahedi - BMO Capital Markets

Operator

Good afternoon, ladies and gentlemen. Welcome to TD Bank Group's Q4 2019 Conference Call. I would now like to turn the meeting over to Ms. Gillian Manning, Head of Investor Relations. Please go ahead, Ms. Manning.

Gillian Manning

Thank you, operator. Good afternoon, and welcome to TD Bank Group's fourth quarter 2019 investor presentation. We will begin today's presentation with remarks from Bharat Masrani, the bank's CEO; after which, Riaz Ahmed, 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 Teri Currie, Group Head Canadian Personal Banking; Greg Braca, President and CEO, TD Bank, America's Most Convenient Bank; and Bob Dorrance, Group Head Wholesale 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