Bank of America Merrill Lynch / TD Bank Group / Banking Tim Hockey TD Bank Group / CFO Mark Chauvin TD Bank Group / MBNA / Canadian Banking Mike Pedersen TD Bank Group / Ipsos / TD Canada Trust / EPS / TD BANK / CORPORATE PARTICIPANTS Bharat Masrani TD Bank Group / Even Better Bank / Barclays / TD Securities / TD Ameritrade / Epoch Investment Partners / Auto Finance / Chief Risk Officer Bob Dorrance TD Bank Group / J.D. Power / Wealth Management / Enterprise Strategy Rudy Sankovic TD Bank Group / /
pipeline utilities / oil and gas prices / regulatory infrastructure / insurance claims / disciplined expense management / corporate banking perspective / bank earnings / data communications systems / Wholesale banking / overall bank performance / low-oil shock / oil and gas / oil and gas loan portfolio / oil / bank expenses / investment banking activity look / energy / real estate / oil and gas part / Retail adjusted earnings / oil environment / insurance charges / mobile banking / personal banking / bank / oil pricing / oil part / information technology / banking / energy space / oil and gas credit exposure / oil prices / /
NaturalFeature
Nalcor Energy Muskrat Falls / /
Organization
U.S. Securities and Exchange Commission / OECD / /
Person
Rob Sedran / Peter Routledge / Rudy Sankovic / Mark Chauvin / Colleen Johnston / Bharat Masrani / Steve Theriault / John Aiken / Mike Pedersen / Riaz Ahmed / Tim Hockey / Jason Bilodeau / Darko Mihelic / Mario Mendonca / Bob Dorrance / John Aiken Barclays / Meny Grauman Cormark / Gabriel Dechaine Canaccord Genuity / Sumit Malhotra Scotiabank / /
Position
SVP / Investor Relations Good afternoon / Chief Risk Officer / SVP / Investor Relations Thanks / CEO / franchise model in the United States / SVP / Investor Relations / independent engineer / Group President and CEO / SVP / Investor Relations CONFERENCE CALL PART ICIPANTS / Head of Investor Relations / Analyst / dealer / Private / CFO / /
TD BANK GROUP Q4 2014 E ARNINGS CONFERENCE CALL DECEMBER 4, 2014 DISCLAIM ER THE INFORMATION CONTAINED IN THIS TRANSCRIPT IS A TEXTUAL REPRESENTATION OF THE TORONTO-DOMINION BANK’S (“TD”) Q4 2014 EARNINGS CONFERENC