| Page Reference in AIF | Page / Incorporated by Reference from Annual Financial Statements | Page / Incorporated by Reference From 2023 MD&A | ||||||||||
| CORPORATE STRUCTURE | ||||||||||||
| Name, Address and Incorporation | 4 | – | – | |||||||||
| Intercorporate Relationships | 4 | – | – | |||||||||
| GENERAL DEVELOPMENT OF THE BUSINESS | ||||||||||||
| Three Year History | 4 | – | 3-8, 16-32 | |||||||||
| DESCRIPTION OF THE BUSINESS | ||||||||||||
| Review of Business, including Foreign Operations | 5 | 9-14 | 3-5, 16-32 | |||||||||
| Investment in The Charles Schwab Corporation | 5 | 64 | 4-5, 16, 21-25, 52-53 | |||||||||
| Competition | – | – | 58 | |||||||||
| Intangible Properties | – | 23, 27, 65-66 | – | |||||||||
| Average Number of Employees | 5 | – | – | |||||||||
| Lending | – | – | 35-44, 66-70 | |||||||||
| Social and Environmental Policies | 6 | – | 94-96 | |||||||||
| Risk Factors | 6 | – | 53-96 | |||||||||
| DIVIDENDS | ||||||||||||
| Dividends per Share for the Bank (October 31st year-end) | 7 | – | – | |||||||||
| Dividend Restrictions | 8 | 72 | – | |||||||||
| CAPITAL STRUCTURE | ||||||||||||
| Common Shares | 8 | 70-73 | – | |||||||||
| Preferred Shares | 9 | 70-73 | – | |||||||||
| Limited Recourse Capital Notes | 10 | 70-73 | 50 | |||||||||
| Constraints | 10 | – | – | |||||||||
| Ratings | 11 | – | 84-85 | |||||||||
| MARKET FOR SECURITIES OF THE BANK | ||||||||||||
| Market Listings | 14 | – | – | |||||||||
| Trading Price and Volume | 14 | – | – | |||||||||
| Prior Sales | 15 | 70-72 | 50 | |||||||||
| ESCROWED SECURITIES AND SECURITIES SUBJECT TO CONTRACTUAL RESTRICTIONS ON TRANSFER | 16 | 70-72 | 50 | |||||||||
| DIRECTORS AND EXECUTIVE OFFICERS | ||||||||||||
| Directors and Board Committees of the Bank | 16 | – | – | |||||||||
| Audit Committee | 20 | – | – | |||||||||
| Additional Information Regarding the Audit Committee and Shareholders’ Auditor | 21 | – | – | |||||||||
| Executive Officers of the Bank | 22 | – | – | |||||||||
| Shareholdings of Directors and Executive Officers | 24 | – | – | |||||||||
| Additional Disclosure for Directors and Executive Officers | 24 | – | – | |||||||||
| Pre-Approval Policies and Shareholders’ Auditor Service Fees | 25 | – | – | |||||||||
| LEGAL PROCEEDINGS AND REGULATORY ACTIONS | ||||||||||||
| Legal Proceedings | 26 | 85 | – | |||||||||
| Regulatory Actions | 26 | – | – | |||||||||
| INTEREST OF MANAGEMENT AND OTHERS IN MATERIAL TRANSACTIONS | 26 | – | – | |||||||||
| TRANSFER AGENTS AND REGISTRARS | ||||||||||||
| Transfer Agent | 26 | – | – | |||||||||
| Co-transfer Agent and Registrar | 27 | – | – | |||||||||
| INTERESTS OF EXPERTS | 27 | – | – | |||||||||
| ADDITIONAL INFORMATION | 27 | – | – | |||||||||
| COMMON SHARES | ||||||||||||||||||||||||
| Nov. 2022 | Dec. 2022 | Jan. 2023 | Feb. 2023 | March 2023 | April 2023 | May 2023 | June 2023 | July 2023 | Aug. 2023 | Sept. 2023 | Oct. 2023 | |||||||||||||
| High ($) | 91.38 | 92.86 | 92.15 | 94.05 | 90.75 | 83.83 | 84.13 | 82.37 | 87.10 | 87.07 | 84.24 | 82.15 | ||||||||||||
| Low ($) | 86.01 | 86.04 | 84.60 | 89.80 | 76.40 | 78.22 | 76.58 | 76.32 | 79.94 | 78.76 | 80.27 | 78.05 | ||||||||||||
| Vol.(’000) | 78,120 | 106,618 | 166,762 | 60,738 | 190,154 | 171,836 | 104,245 | 134,280 | 147,712 | 89,683 | 123,732 | 88,598 | ||||||||||||
| Designation of Class | Number of Securities that are Subject to a Contractual Restriction on Transfer | Percentage of Class | ||
| Class A First Preferred Shares, Series 26 (NVCC) | 1,750,000 | 100% | ||
| Class A First Preferred Shares, Series 29 (NVCC) | 1,500,000 | 100% | ||
| Class A First Preferred Shares, Series 30 (NVCC) | 1,750,000 | 100% |
| Fees paid to Ernst & Young LLP | ||||||||
| (thousands of Canadian dollars) | 2023 | 2022 | ||||||
| Audit Fees1 | $ | 43,085 | $ | 31,922 | ||||
| Audit-related fees2 | 5,724 | 3,088 | ||||||
| Tax fees3 | 1,067 | 1,093 | ||||||
| All Other fees4 | 150 | 132 | ||||||
| Total Bank and Subsidiaries | $ | 50,026 | $ | 36,235 | ||||
| Investment Funds5 | ||||||||
| – Public Funds | 2,643 | 2,230 | ||||||
| – Private Funds | 4,749 | 2,677 | ||||||
| Total Investment Funds | $ | 7,392 | $ | 4,907 | ||||
| Total Fees | $ | 57,418 | $ | 41,142 | ||||
| Type of Shares | 2023 | 2022 | 2021 | |||||||||
| Common Shares | $ | 3.84 | $ | 3.56 | $ | 3.16 | ||||||
| Class A First Preferred Shares (Non-Viability Contingent Capital)1 | ||||||||||||
| Series 1 | $ | 0.92 | $ | 0.92 | $ | 0.92 | ||||||
| Series 3 | $ | 0.92 | $ | 0.92 | $ | 0.92 | ||||||
| Series 5 | $ | 0.97 | $ | 0.97 | $ | 0.97 | ||||||
| Series 7 | $ | 0.80 | $ | 0.80 | $ | 0.80 | ||||||
| Series 9 | $ | 0.81 | $ | 0.81 | $ | 0.81 | ||||||
| Series 112 | – | – | – | |||||||||
| Series 123 | – | – | $ | 0.69 | ||||||||
| Series 144 | – | – | $ | 1.21 | ||||||||
| Series 16 | $ | 1.58 | $ | 1.13 | $ | 1.13 | ||||||
| Series 185 | $ | 1.31 | $ | 1.18 | $ | 1.18 | ||||||
| Series 206 | $ | 1.19 | $ | 1.19 | $ | 1.19 | ||||||
| Series 22 | $ | 1.30 | $ | 1.30 | $ | 1.30 | ||||||
| Series 24 | $ | 1.28 | $ | 1.28 | $ | 1.28 | ||||||
| Series 267 | – | – | – | |||||||||
| Series 278 | $ | 57.50 | $ | 32.85 | – | |||||||
| Series 288 | $ | 72.32 | $ | 19.42 | – | |||||||
| Series 299 | – | – | – | |||||||||
| Series 3010 | – | – | – | |||||||||
