Adds PCL, other metrics in paragraphs 2-6 Nov 30 (Reuters) - TD Bank Group TD.TO reported a fall in its fourth-quarter profit on Thursday, as Canada's second-largest lender set aside more rainy-day funds to cover for potential sour loans. But that, along with persistent inflationary pressures and tough economic conditions, has also raised the risk of defaults on loan repayments, forcing banks to set aside more provisions for credit losses (PCL). Peer Scotiabank BNS.TO, which kicked off the Canadian banks' earnings season on Tuesday, also earmarked higher funds to prepare for potential loan losses, dragging its profit down.