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Toronto-Dominion Bank (TD Bank) is a Canadian bank that provides a variety of

financial services. It was incorporated on February 1, 1955, and headquartered in
Toronto-Dominion Centre Toronto, Ontario, Canada. It was ranked biggest bank in
Canada in terms of total assets, second largest by market capitalization, 26th
biggest bank globally, and the top 10 banks in North America by Standard &
Poor’s.

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Total Assets were 1.1 trillion CAD $ in 2015.

The assets saw an increasing trend of 7% in 2016 with 6% increase in Liabilities

9% assets and liabilities in 2017

4% assets and liabilities in 2018,

And 6% assets and liabilities in 2019.

Total Assets were 1.33 trillion CAD in 2019.

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Total revenue saw a rising trend of 9% in 2016, 5% in 2017, 7% in 2018 and 6% in

2019.

Total revenue was 31 billion$ in 2015 and 41 billion $CAD in 2016.

Net income followed a random trend as it saw a rise of 11% in 2016, 18% in
2017,8% in 2018, and 3% in 2019. Net income was 8 billion in 2015 and 11 billion
in 2019.

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It is the ratio of bank tier 1 Capital to overall risk-weighted assets. Tier 1 Capital
ratio was 13.5 in 2019, 13.7 in 2018, 12.3 in 2017, 12.2 in 2016, and 11.3 in 2015.

This ratio compares the total obligations to the total capitalization. It portrays the
risk. It was 16.3 in 2019, 16.2 in 2018, 14.9 in 2017, 15.2 in 2016 and 14.0 in 2015.
The ratio saw a slight increase. Banks carry a larger amount of deposits (liabilities)
for this reason, this ratio.

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It is an indicator of profitability. Basic EPS indicates how much earnings are

attributed to each shareholder. RBC is the biggest bank in Canada, and it has
shown better earnings per share due to higher income than TD bank in respective
years

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It indicates the total return in relevance to the total equity. RBC has shown higher
returns than TD bank. However, TD bank has shown a slightly increasing trend,
but RBC's return on equity has declined over the years.

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Return on Risk-Weighted Assets measures risk as it divides the total profit by the
risk-weighted assets. Risk assets areas that bank faces the threat of borrower
default. In 2015, the return on risk-weighted assets was higher for RBC bank, and
in 2015, RORWA was higher for TD bank in 2019.

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It indicates the ability of the bank to earn interest on loans. Interest is a significant
revenue stream for the business. It has declined for both banks throughout the
five years. TD Bank has shown a slightly higher interest Margin than TD Bank.

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Tier 1 capital ratio is the ratio of bank tier 1 Capital to overall risk-weighted assets.
The primary financing source of capital is Tier 1 capital. It constitutes equity and
retained earnings. It measures bank financial health. As both banks have a tier 1
capital ratio of higher than 4.5 % (minimum required by Basel III), both are
financially healthy. TD bank was slightly lower than TD bank in 2015, but in 2019,
TD bank showed better tier 1 capital ratio and health than RBC bank.  

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This ratio compares the total obligations to the total capitalization. Capital Ratio is
a measure of risk. A higher capital ratio shows better financial health for the
bank. Higher CAR enables the bank to stand firm in a more challenging economic
condition. TD Bank has demonstrated a higher CAR than RBC bank throughout the
five years. That shows TD bank financially more stable than RBC bank.
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The three biggest banks as of market chaptalization are taken for the comparison.
Royal Bank of Canada (RY) and Toronto-Dominion Bank (TD Bank), and Bank of
Nova Scotia (BNS), price changes are compared monthly.

Royal Bank of Canada has outperformed the TD Bank and Bank of Nova Scotia.
Analysis has shown that the Royal Bank of Canada generated the highest
profitability, higher market cap, and multi-national attracts more investors than
the other two banks. TD and BNS went through up and down throughout the
periods. Over five years, RY has shown a 1.18% average increase each month, TD
has delivered a 0.99% average increase each month and BNS has demonstrated
an average increase of 0.93% each month.