Toronto Dominion Bank F3Q08 (Qtr End 07/31/08) Earnings Call Transcript

Aug. 28, 2008 9:22 PM ETThe Toronto-Dominion Bank (TD)
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Toronto Dominion Bank (NYSE:TD) F3Q08 Earnings Call August 28, 2008 3:00 PM ET


Tim Thompson - Vice President, Investor Relations

Ed Clark - President, Chief Executive Officer and Director

Colleen Johnston - Chief Financial Officer

Bharat B. Masrani - Group Head, U.S. P&C Banking

Mark Chauvin - Chief Risk Officer

Bob Dorrance - Group Head Wholesale Bank

Bernie Dorval - Group Head Global Insurance

Bill Hatanaka - Group Head Wealth Management

Tim Hockey - Group Head Canadian P&C banking


Michael Goldberg - Desjardins Securities

Ian De Verteuil - BMO Capital Markets

Jim Bantis - Credit Suisse, First Boston

Brad Smith - Blackmont Capital

Shannon Cowherd - Citibank Group

Andre Hardy - RBC Capital Markets

Mario Mendonca - Genuity Capital Markets

Darko Mihelic - CIBC World Markets

Tim Thompson

Welcome to the TD Bank Financial Group's third quarter 2008 Investor Presentation. My name is Tim Thompson and I’m Head of Investor Relations at the Bank. We’ll begin today’s presentation with strategic remarks from Ed Clark, the Bank's CEO after which Colleen Johnston, the Bank's CFO will present our third quarter operating performance.

Bharat Masrani, Group Head, U.S. P&C Banking will then provide an update with respect to our integration, initiatives in our U.S. P&C segment. We will then entertain questions from those present and from pre-qualified analysts and investors on the phones.

Also present today to answer your questions are Mark Chauvin, Chief Risk Officer; Bob Dorrance, Group Head Wholesale Bank; Bernie Dorval, Group Head Global Insurance; Bill Hatanaka, Group Head Wealth Management and Tim Hockey, Group Head, Canadian P&C banking. As in the past we’re trying to keep the call to about one hour with Ed, Colleen and Bharat’s remarks taking up about half that time. Please turn to page two.

We know that this presentation contains forward-looking

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