Toronto-Dominion Bank at RBC Capital Markets Canadian Bank CEO Conference Transcript
Okay. Great. Thank you. We'll start the next session with TD Bank. I'm pleased to have Bharat Masrani on the stage. Thank you for joining us today, Bharat.
Nice to be here, Darko. Happy New Year to you and to all of you. Good to see you folks.
Questions & Answers
So I've been pretty consistent in starting off our conversations virtually every single one with interest rates. So I thought I'm going to do the same thing to you. So -- and I think in this case, slightly different angle. What we saw in 2023 was your NIM expansion was pretty much as advertised. It was one of the best that we saw. Balance sheet, your deposit base, it all came true. Rising interest rates certainly helped your net interest margin. But we're now entering a phase where rates are about to fall, perhaps fall aggressively, perhaps fall quicker than anticipated.
So maybe
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