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TD Bank
Financial Services

TD Bank Company Overview

TD Bank logo

TD Bank

● Active
Financial Services · Toronto, Ontario, Canada · Est. 1855
BankingFinancial ServicesWealth ManagementRetail Banking↗ Website
$138.0B
Valuation
$56.5B
Revenue
95k+
Employees
1855
Founded

TD Bank (The Toronto-Dominion Bank) is one of the largest banks in North America, providing retail banking, commercial banking, wealth management, and wholesale banking services to over 27 million customers across Canada and the United States. It operates more than 1,100 US retail locations — more than any other Canadian bank — and is the sixth-largest bank in North America by assets at over $2.0 trillion CAD.

Recent Press
5 items
Press Release·2026-02-26
TD Bank Group Named Partner Bank of the Defence, Security and Resilience Bank
TD Bank confirmed its designation as a partner bank of the Defence, Security and Resilience Bank, a new institution aimed at financing critical infrastructure and national security-related projects. The partnership underscores TD's commitment to supporting government-backed resilience initiatives in Canada. The announcement was made in February 2026 as part of TD's broader strategy to deepen its institutional and public-sector relationships.
Press Release·2026-02-26
TD Bank Group Reports Record First Quarter 2026 Results
TD Bank Group reported record Q1 2026 adjusted net income of $4.2 billion with adjusted EPS of $2.44, exceeding analyst forecasts of $2.25 by 8.4%, and revenue grew 11% year-over-year to $16.6 billion. Canadian Personal and Commercial Banking delivered record revenue, earnings, deposit and loan volumes. The bank's restructuring program is expected to deliver $500 million in full-year 2026 savings.
Product Launch·2026-01-23
TD Bank Group Launches New C$7 Billion Share Buyback Program
TD Bank Group launched a new C$7 billion normal course issuer bid in January 2026, immediately following the completion of its prior C$8 billion buyback program funded by the Schwab stake sale proceeds. The new program allows TD to repurchase and cancel up to approximately 61 million common shares, supported by a CET1 ratio of 14.5%. As of the end of Q1 2026, TD had repurchased approximately 84 million shares across both programs combined.
Product Launch·2025-06-11
TD Bank Launches TD AI Prism Predictive Foundation Model
TD Bank Group announced the launch of TD AI Prism on June 11, 2025, an internally built predictive foundation model that processes 100 times more data variables to personalize customer banking experiences, developed by TD's Layer 6 AI research center.
Press Release·2025-05-22
TD Bank Group Reports Second Quarter 2025 Results with $3.6B Adjusted Earnings
TD Bank Group reported Q2 2025 adjusted earnings of $3.6 billion on May 22, 2025, with EPS of $1.97 beating forecasts of $1.83, revenue of $15.1 billion exceeding expectations, and a CET1 ratio of 14.9%.
Company History
10 milestones
The Bank of Toronto was founded in 1855 by a group of Toronto flour millers to provide financial services to Ontario's growing agricultural and merchant communities, becoming one of the earliest chartered banks in Canada.

TD Bank Organization Structure & Team

Org Chart
95,000 employees · Click a leader to explore their team
102,700 across 12 departments
Chief Executive Officer
Raymond Chun
Kelvin Tran — Departments
· 102700 people across 12 depts

TD Bank Financials, Revenue & Market Share

Annual Revenue
$56.5B
+1% vs prior year
YoY Growth
+1%
From $47.4B to $56.5B
Revenue / Employee
$589K
Annual revenue per full-time employee
Revenue Growth
2021
2022
2023
2024
2025
$47.4B
$49.9B
$53.8B
$56.0B
$56.5B
Market Share
Canadian Banking (Big Six by assets)
22%
share
TD Bank
22%
RBC
25%
Scotiabank
16%
BMO
15%
CIBC
14%
$4.2T
TAM
$380.0B
SAM
$56.0B
SOM
Revenue Streams
Net Interest Income54%
Non-Interest Income28%
TD Wealth and Insurance12%
US Retail Banking6%
Business Units
Canadian Personal and Commercial Banking47%
TD's flagship Canadian banking segment providing personal chequing and savings accounts, mortgages, personal loans, credit cards, and small business banking to 15M+ Canadian customers through 1,100+ Canadian branches and digital banking platforms.
US Retail Banking22%
TD's US retail banking operation with 1,100+ East Coast branches from Maine to Florida, providing personal checking, savings, mortgage, and small business banking under the TD Bank brand — constrained by OCC asset cap since October 2024.
Wealth Management and Insurance15%
TD Wealth Management, TD Direct Investing, and TD Insurance — Canada's largest direct insurance provider — offering discretionary and advisory investment services, online brokerage, and personal insurance products to 4M+ wealth and insurance clients.
TD Securities (Wholesale Banking)16%
TD's institutional banking arm providing capital markets, M&A advisory, debt and equity underwriting, and corporate lending to large corporations and government entities in Canada, the US, and key international markets.

TD Bank Internal Tools & Processes

Internal Tools
12 departments
Canadian Personal Banking28000 people · 3 roles
Standards & Certifications
10 standards
Compliance frameworks, security audits, and quality certifications this company maintains.
Regulatory
Bank Secrecy Act / AML
In Progress
Following TD Bank's October 2024 guilty plea to BSA violations and $3.09B in US regulatory penalties, TD is under court-supervised compliance monitorship and implementing a comprehensive AML remediation program across its US retail banking operations, including new transaction monitoring systems, enhanced customer due diligence controls, and significant AML compliance staffing increases.
Regulatory
OSFI B-10 Third-Party Risk
Compliant
TD Bank Group complies with OSFI Guideline B-10 governing the management of third-party and outsourcing risks across its Canadian operations, maintaining a rigorous vendor due diligence framework for the technology, data processing, and financial services providers that support TD's banking infrastructure.
Privacy
PIPEDA / Bill C-27
Compliant
TD Bank complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and is implementing controls aligned with Canada's proposed Bill C-27 privacy reform legislation, governing the collection, use, and disclosure of personal financial and transactional data for 15M+ Canadian banking customers.
Security
SOC 2 Type II
Certified
TD Bank's technology and digital banking platforms maintain SOC 2 Type II certification, validating the security, availability, and confidentiality controls governing TD's online and mobile banking infrastructure serving 14M+ active digital banking customers in Canada and the United States.
Security
ISO 27001
Certified
TD Bank Group maintains ISO 27001 information security management certification across its enterprise technology operations, providing an internationally recognized framework for protecting customer financial data, transaction records, and proprietary banking systems across TD's Canadian, US, and international business units.
Security
PCI DSS
Compliant
TD Bank complies with PCI DSS standards for the handling, storage, and transmission of cardholder data across TD Credit Cards, TD Visa, and TD's merchant services business, ensuring that payment card transactions processed through TD's acquiring and issuing operations meet global payment security standards.
Regulatory
OSFI Stress Testing (DFAST/ICAAP)
Compliant
TD Bank Group participates in OSFI-mandated stress testing and Internal Capital Adequacy Assessment Process (ICAAP) reviews, demonstrating that TD's capital reserves are sufficient to absorb severe macroeconomic shocks including housing market corrections and recession scenarios in Canada and the United States.
Regulatory
FATCA / CRS Reporting
Compliant
TD Bank complies with US FATCA (Foreign Account Tax Compliance Act) and the OECD Common Reporting Standard, automatically reporting account information for US persons and foreign account holders to the IRS and CRA respectively — critical given TD's large cross-border Canadian-American customer base.
Accessibility
WCAG 2.1 Accessibility
Compliant
TD Bank's digital banking platforms — including TD app, EasyWeb online banking, and TD Direct Investing — comply with WCAG 2.1 AA accessibility standards, ensuring that customers with visual, hearing, and cognitive disabilities can access TD's full range of banking products and services through accessible digital interfaces.
Regulatory
Basel III / OSFI CAR Guidelines
Compliant
TD Bank Group maintains capital ratios in compliance with Basel III international banking standards as implemented through OSFI's Capital Adequacy Requirements guidelines, with a Common Equity Tier 1 (CET1) ratio of approximately 13.1% — well above the OSFI regulatory minimum — demonstrating TD's financial resilience despite $3.09B in AML penalties absorbed in fiscal 2024.

TD Bank Interview Preparation

Interview Prep
Role-specific interview questions and keywords. Select a department, then click any role to prepare.
Canadian Personal Banking· 3 roles

TD Bank Products & Competitors

Product Suite
5 products · select one to explore
Financial Services
Personal Banking
TD All-Inclusive Banking Plan
One plan. Everything included.

The TD All-Inclusive Banking Plan is TD's premium everyday banking package, offering unlimited transactions, a free safety deposit box, free Interac e-Transfers, and fee rebates on select TD credit cards and investments for a flat monthly fee. It is designed for customers who want comprehensive Canadian banking services without per-transaction fees.

Use Cases
Opening a Canadian chequing and savings account bundle at TD with unlimited debit transactions, free Interac e-Transfer, and overdraft protection in a single monthly fee planBundling a TD All-Inclusive Plan with a TD Aeroplan Visa Infinite card to qualify for the annual credit card fee rebate — saving over $139 annually by qualifying through the banking planSetting up automatic payroll deposit, pre-authorized bill payments, and multi-account transfers through TD EasyWeb under the All-Inclusive Plan's unlimited transaction structure
No image
Key Customers
AC
Air Canada Aeroplan
SDM
Shoppers Drug Mart
T
TELUS
Competitive Intelligence
VSRBC Signature No Limit Banking
THEM

RBC's unlimited everyday banking plan offering unlimited debits, e-Transfers, and a credit card fee waiver for customers maintaining a minimum monthly balance — TD's primary competitor in premium chequing plans for Canadian mass-market and mass-affluent customers.

EDGE

TD's All-Inclusive Plan includes additional perks like a free safety deposit box and rebates across a broader range of TD investment and credit products beyond just chequing

VSScotiabank Ultimate Package
THEM

Scotiabank's all-inclusive banking plan offering unlimited transactions, no monthly fee with a $6,000 minimum balance, and credit card fee waivers for eligible Scotiabank credit cards — targeting customers who want premium banking with a balance-maintenance waiver.

EDGE

TD's extended weekday and weekend branch hours (the original TD Canada Trust differentiator) give All-Inclusive customers more in-person service access than competitors

VSBMO Performance Plan
THEM

BMO's mid-tier banking package offering unlimited transactions, free e-Transfers, and a partial credit card fee waiver for BMO credit cards — a competitive option for customers seeking unlimited transactions at a lower monthly price point than TD's premium tier.

EDGE

TD's broader ATM network and superior digital banking platform through TD EasyWeb and TD app provide more convenient everyday banking access than BMO's network

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