TORONTO DOMINION BANK (TD) [Rocket]

In millions, except per share items	Oct-31-22	Oct-31-21	Oct-31-19
	Source	Source	Source
Interest income:
	7,928	3,721	7,844
Total interest expense	9,748	3,742	13,732
Net interest income	27,353	24,131	23,821
Net interest income after provision for loan losses	27,353	24,131	23,821
Deposit and loan fees	2,871	2,655	2,885
Other non-interest income	18,808	15,907	14,359
Total non-interest income	21,679	18,562	17,244
Non-interest expenses	24,641	23,076	22,020
Pre-tax income	17,170	14,049	0
Income taxes	0	0	0
Tax rate	0.0%	0.0%
Net income	17,170	14,049	0
Net margin	35.0%	32.9%	0.0%



EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.