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The Toronto-Dominion Bank (TD) CEO Bharat Masrani on Q4 2021 Results - Earnings Call Transcript

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The Toronto-Dominion Bank (NYSE:TD) Q4 2021 Earnings Conference Call December 2, 2021 1:30 PM ET

Corporate Participants

Gillian Manning - Vice President and Head, Investor Relations

Bharat Masrani - Chief Executive Officer

Kelvin Tran - Chief Financial Officer

Ajai Bambawale - Chief Risk Officer

Greg Braca - Chief Executive Officer, TD Bank America's Most Convenient Bank

Teri Currie - Group Head, Canadian Personal Banking

Conference Call Participants

Gabriel Dechaine - National Bank Financial

John Aiken - Barclays

Doug Young - Desjardins Capital Markets

Ebrahim Poonawala - Bank of America

Paul Holden - CIBC

Meny Grauman - Scotiabank

Nigel D'Souza - Veritas Investment Research

Lemar Persaud - Cormark Securities

Sohrab Movahedi - BMO Capital Markets

Scott Chan - Canaccord Genuity

Darko Mihelic - RBC Capital Markets


Good afternoon, everyone. Welcome to the TD Bank Group Q4 2021 Earnings Conference Call.

I would now like to turn the meeting over to Ms. Gillian Manning. Please go ahead, Ms. Manning.

Gillian Manning

Thank you, operator. Good afternoon and welcome to TD Bank Group's fourth quarter 2021 investor presentation. 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 prequalified 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 of 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

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