The Toronto-Dominion Bank ( NYSE: TD ) RBC Capital Markets Canadian Bank CEO Conference January 9, 2024 1:20 PM ET Company Participants Bharat Masrani - Group President and Chief Executive Officer Conference Call Participants Darko Mihelic - RBC Capital Markets Darko Mihelic 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. Bharat Masrani Nice to be here, Darko. Happy New Year to you and to all of you. Good to see you folks. Question-and-Answer Session Q - Darko Mihelic 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.