The Toronto-Dominion Bank (TD) Q1 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good morning, everyone. Welcome to the TD Bank Group First Quarter 2026 Earnings Conference Call. I would now like to turn the meeting over to Ms. Brooke Hills, Head of Investor Relations. Please go ahead, Ms. Hills. Thank you, operator. Good morning and welcome to TD Bank Group's first quarter 2026 results presentation. We will begin today's presentation with remarks from Raymond Chun, the bank's CEO, followed by Leo Salome, group head, U.S. Banking, after which Kelvin Tran, the bank's CFO, will present our first quarter operating results. Ajay Bambwale, Chief Risk Officer, will then offer comments on credit quality, after which we will invite questions from analysts on the phone. Also present today to answer your questions are Sona Mehta, Group Head, Canadian Personal Banking, Barbara Hooper, Group Head, Canadian Business Banking, Paul Clark, Group Head, Wealth Management and Insurance, and Tim Wiggin, Group Head, Wholesale Banking. Please turn to the next slide. Our comments during this call may contain forward-looking statements, which involve assumptions and have inherent risks and uncertainties. Actual results could differ materially. I would also remind listeners that the bank uses non-GAAP financial measures to arrive at adjusted results. The bank believes that adjusted results with a better understanding of how management views the bank's performance. Ray, Leo, and Kelvin will be referring to adjusted results Additional information about non-GAAP measures and material factors and assumptions is available in our Q1 2026 MD&A. I would also like to note that, effective this quarter, the bank renamed its U.S. retail segment to U.S. Banking to better reflect the segment's financial products and services. With that, let me turn the presentation over to Ray. Thank ...