
	For the three months ended April 30, 2022
Taxable equivalent basis ($ millions)	Canadian Banking			International Banking		Global Wealth Management		Global Banking and Markets			Other (1)			Total

Net interest income (2)	$	2,144		$	1,687	$	184	$	360		$	98		$	4,473
Non-interest income (3)(4)		759			720		1,174		902			(86	)		3,469
Total revenues		2,903			2,407		1,358		1,262			12			7,942
Provision for credit losses		(12	)		276		1		(46	)		–			219
Non-interest expenses		1,324			1,268		803		653			111			4,159
Provision for income taxes		412			182		145		167			(89	)		817
Net income	$	1,179		$	681	$	409	$	488		$	(10	)	$	2,747
Net income attributable to non-controlling interests in subsidiaries	$	–		$	76	$	2	$	–		$	–		$	78
Net income attributable to equity holders of the Bank	$	1,179		$	605	$	407	$	488		$	(10	)	$	2,669
Average assets ($ billions)	$	423		$	204	$	32	$	431		$	174		$	1,264
Average liabilities ($ billions)	$	326		$	149	$	48	$	400		$	269		$	1,192

(1)

Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $92 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.

(2)

Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.

(3)

Card revenues and Banking services fees are mainly earned in Canadian and International Banking. Mutual fund, Brokerage fees and Investment management and trust fees are primarily earned in Global Wealth Management. Underwriting and other advisory fees are predominantly earned in Global Banking and Markets.

(4)

Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $18, International Banking – $77, Global Wealth Management – $5, and Other – $(16).


	For the three months ended January 31, 2022
Taxable equivalent basis ($ millions)	Canadian Banking			International Banking		Global Wealth Management			Global Banking and Markets			Other (1)			Total
Net interest income (2)	$	2,133		$	1,648	$	174		$	373		$	16		$	4,344
Non-interest income (3)(4)		741			749		1,248			1,031			(64	)		3,705
Total revenues		2,874			2,397		1,422			1,404			(48	)		8,049
Provision for credit losses		(35	)		274		(1	)		(16	)		–			222
Non-interest expenses		1,282			1,285		862			670			124			4,223
Provision for income taxes		426			208		146			189			(105	)		864
Net income	$	1,201		$	630	$	415		$	561		$	(67	)	$	2,740
Net income attributable to non-controlling interests in subsidiaries	$	–		$	85	$	3		$	–		$	–		$	88
Net income attributable to equity holders of the Bank	$	1,201		$	545	$	412		$	561		$	(67	)	$	2,652
Average assets ($ billions)	$	412		$	196	$	31		$	444		$	156		$	1,239
Average liabilities ($ billions)	$	320		$	144	$	47		$	407		$	247		$	1,165

(1)

(2)

Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.

(3)

(4)

Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $8, International Banking – $68, Global Wealth Management – $1, and Other – $14.


	For the three months ended April 30, 2021
Taxable equivalent basis ($ millions)	Canadian Banking		International Banking		Global Wealth Management			Global Banking and Markets			Other (1)			Total
Net interest income (2)	$	1,934	$	1,662	$	152		$	350		$	78		$	4,176
Non-interest income (3)(4)		690		716		1,156			907			91			3,560
Total revenues		2,624		2,378		1,308			1,257			169			7,736
Provision for credit losses		145		396		(2	)		(43	)		–			496
Non-interest expenses		1,229		1,294		802			633			84			4,042
Provision for income taxes		323		181		134			150			(46	)		742
Net income	$	927	$	507	$	374		$	517		$	131		$	2,456
Net income attributable to non-controlling interests in subsidiaries	$	–	$	87	$	2		$	–		$	1		$	90
Net income attributable to equity holders of the Bank	$	927	$	420	$	372		$	517		$	130		$	2,366
Average assets ($ billions)	$	372	$	194	$	28		$	399		$	158		$	1,151
Average liabilities ($ billions)	$	311	$	149	$	45		$	398		$	177		$	1,080

(1)

Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $76 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.

(2)

Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.

(3)

(4)

Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $26, International Banking – $53, Global Wealth Management – $4, and Other – $30.


	For the six months ended April 30, 2022
Taxable equivalent basis ($ millions)	Canadian Banking			International Banking		Global Wealth Management		Global Banking and Markets			Other (1)			Total
Net interest income (2)	$	4,277		$	3,335	$	358	$	733		$	114		$	8,817
Non-interest income (3)(4)		1,500			1,469		2,422		1,933			(150	)		7,174
Total revenues		5,777			4,804		2,780		2,666			(36	)		15,991
Provision for credit losses		(47	)		550		–		(62	)		–			441
Non-interest expenses		2,606			2,553		1,665		1,323			235			8,382
Provision for income taxes		838			390		291		356			(194	)		1,681
Net income	$	2,380		$	1,311	$	824	$	1,049		$	(77	)	$	5,487
Net income attributable to non-controlling interests in subsidiaries	$	–		$	161	$	5	$	–		$	–		$	166
Net income attributable to equity holders of the Bank	$	2,380		$	1,150	$	819	$	1,049		$	(77	)	$	5,321
Average assets ($ billions)	$	417		$	200	$	32	$	438		$	164		$	1,251
Average liabilities ($ billions)	$	323		$	146	$	48	$	403		$	258		$	1,178

(1)

Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $184 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.

(2)

Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.

(3)

(4)

Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $26, International Banking – $145, Global Wealth Management – $6, and Other – $

(

)


	For the six months ended April 30, 2021
Taxable equivalent basis ($ millions)	Canadian Banking		International Banking		Global Wealth Management		Global Banking and Markets			Other (1)			Total
Net interest income (2)	$	3,918	$	3,450	$	307	$	708		$	144		$	8,527
Non-interest income (3)(4)		1,354		1,489		2,391		1,885			162			7,281
Total revenues		5,272		4,939		2,698		2,593			306			15,808
Provision for credit losses		360		921		2		(23	)		–			1,260
Non-interest expenses		2,433		2,696		1,619		1,247			255			8,250
Provision for income taxes		641		338		282		309			(126	)		1,444
Net income	$	1,838	$	984	$	795	$	1,060		$	177		$	4,854
Net income attributable to non-controlling interests in subsidiaries	$	–	$	175	$	5	$	–		$	–		$	180
Net income attributable to equity holders of the Bank	$	1,838	$	809	$	790	$	1,060		$	177		$	4,674
Average assets ($ billions)	$	370	$	197	$	28	$	397		$	162		$	1,154
Average liabilities ($ billions)	$	308	$	151	$	43	$	393		$	188		$	1,083

(1)

Includes all other smaller operating segments and corporate adjustments, such as the elimination of the tax-exempt income gross-up reported in net interest income and non-interest income and provision for income taxes of $145 to arrive at the amounts reported in the Consolidated Statement of Income, differences in the actual amount of costs incurred and charged to the operating segments.

(2)

Interest income is reported net of interest expense as management relies primarily on net interest income as a performance measure.

(3)

(4)

Includes income (on a taxable equivalent basis) from investments in associated corporations for Canadian Banking – $46, International Banking – $102, Global Wealth Management – $7, and Other – $15.