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Thanks, agent. Good afternoon, and you will welcome to TD Bank Group’s 2nd One-fourth 2022 Individual Demonstration. We shall start today’s presentation which have reviews regarding Bharat Masrani, the new bank’s President, and you will following Kelvin Tran, the fresh new bank’s CFO, can have the next quarter functioning performance. Ajai Bambawale, Head Exposure Officer, will bring statements towards borrowing from the bank quality, and then we are going to ask inquiries out of prequalified analysts and you may people to your mobile phone.

And additionally establish right now to reply to your inquiries is Michael Rhodes, Class Lead, Canadian Private Financial; Paul Douglas, Class Lead, Canadian Company Banking; Raymond Chun, Category Direct, Wide range Government and you can Insurance rates; Leo Salom, Chairman and you may Chief executive officer, TD Financial America’s Handiest Lender; and you can Riaz Ahmed, Classification Head, Hotel Banking. Please look to Slide 2.

At this time, I do want to caution our very own listeners this speech consists of forward-searching statements. There is actually risks that efficiency you are going to differ materially regarding what is discussed and that specific material facts or assumptions was in fact used to make such forward-appearing statements.

People forward-looking statements in this speech depict new feedback out of government and generally are shown for the true purpose of assisting the fresh new bank’s investors and you may experts inside the understanding the bank’s budget, expectations and you can priorities, and you will expected economic performance. Forward-looking statements might not be appropriate for other objectives. (mehr …)