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TD Bank (TD) investor relations material
TD Bank Investor Day 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Day 2025 summary29 Sep, 2025
Strategic priorities and financial targets
Announced a renewed strategy focused on deepening client relationships, accelerating growth in Canada, the U.S., and TD Securities, and fundamentally resetting the cost base to lower the efficiency ratio and increase ROE.
Fiscal 2026 targets: 13% ROE, 6%-8% EPS growth, 3%-4% expense growth, and a CET1 ratio of 13%.
By fiscal 2029, aims for 16% ROE, 7%-10% EPS growth, mid to high single-digit PTPP growth, and CAD 2-2.5 billion in run rate expense reduction.
Plans to launch a CAD 6-7 billion buyback in fiscal 2026 after completing the current CAD 8 billion buyback, returning virtually all capital from the Schwab sale to shareholders.
Capital allocation will prioritize disciplined organic deployment, consistent shareholder returns, and selective M&A only if it adds capability or scale.
Business model, strengths, and market position
Operates as a scaled, diversified North American bank with $2.1T in assets, $54B in revenue, and top-tier positions in Canada and the U.S.
Maintains leading franchises in core deposits, wealth management, insurance, and wholesale banking, with strong client bases and brand recognition.
70% of funding comes from retail deposits, providing a stable, low-cost funding advantage and industry-leading capital generation.
Demonstrates a strong track record in credit risk management and maintains a diversified, well-reserved loan portfolio.
Strategic review and operational priorities
Strategic review identified the need to deepen client relationships, optimize distribution, drive digital leadership, modernize technology, and invest in risk and controls.
Financial priorities include resetting the cost base, driving higher ROE in U.S. Retail and Wholesale, accelerating growth in high-fee income businesses, and optimizing capital allocation.
AML remediation remains the top priority, with significant investments in talent, technology, and governance, and stable costs expected through FY'26.
AML remediation completion timeline?
Details on FY'26 share buyback program
U.S. Retail asset cap capacity creation?
AML remediation cost moderation timeline?
What makes cost reduction sustainable?
Future of share buybacks?
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Next TD Bank earnings date
Q4 20254 Dec, 2025
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Frequently asked questions
Toronto-Dominion Bank, offers various financial products and services in Canada, the United States, and internationally. It operates through three segments: Canadian Retail, U.S. Retail, and Wholesale Banking. The company provides personal deposit accounts, such as checking, savings accounts, non-chequable accounts, tax-free savings accounts, RRSPs/RRIFs deposits accounts, and self-directed registered accounts.
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