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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
TD Bank
TD Bank (TD) investor relations material
TD Bank RBC Capital Markets Canadian Bank CEO Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.RBC Capital Markets Canadian Bank CEO Conference summary6 Jan, 2026
Strategic priorities and execution
Exceeded expectations for momentum in personal banking, with top growth in deposits, credit cards, and mortgages by end of 2025.
Wealth management saw 27% account growth and 37% increase in trades per day year-on-year.
Three main themes: deepening client relationships, creating a simpler and faster bank, and disciplined execution.
Shifted mortgage strategy from broker to proprietary channels, adding 500 mortgage specialists to branches.
Record mortgage deals closed in a down market, with margin expansion on both acquisition and renewal.
Commercial and wealth expansion
Commercial banking in Canada showed 5-6% deposit and loan growth in Q4; significant investments in distribution expansion planned.
Adding 1,200 wealth advisors and 880 business bankers in Canada over three years; 500 wealth advisors and 200 commercial bankers in the U.S.
Local leadership and specialized skills in markets seen as key differentiators.
Early stages of frontline staff expansion, with a mix of internal promotions and external hires.
Value proposition is resonating in competitive wealth management recruitment.
Cost management and technology
Focused on structural cost reduction across six buckets: distribution, AI, automation, data tech, global resourcing, procurement.
Shift to unit cost management, with permanent reductions in mortgage processing costs via AI and automation.
Agentic AI to be layered in, targeting further cost reductions in 2026.
AI initiatives delivered CAD 170 million in value in 2025, targeting CAD 1 billion over the medium term.
Restructuring charge of CAD 825 million to yield CAD 750 million in annualized pre-tax benefits.
Detail Agentic AI's impact on unit costs
TD Insurance's digital model competitive edge
Detail 2026 capital return strategy
Partial view of Summaries dataset, powered by Quartr API
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Next TD Bank earnings date
Q1 202626 Feb, 2026
TD Bank
Next TD Bank earnings date
Q1 202626 Feb, 2026
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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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