There's something in the success story of the big banks that just doesn't add up. All other major national enterprises struggle to maintain their profit levels amid massive competition from within and without and these guys just sail along with barely a hiccup.
So we get numbers like 9% increase in profits and even as high as a 28% increase for the TD and you have to ask yourself; How do they do it?
It has to be that they are playing with a stacked deck. One of the iatrogenic effects of the economic rescue policies following 2008 is that they don't have to go around searching for deposit customers and pay a decent rate . They can easily get short term money from  the Bank of Canada at rates next to nothing by pleading liquidity problems and then funnel those funds to their hugely profitable retail lending business sector ( charge cards , car loans etc) .
It's funny but none of the prominent economists or think tanks have ever questioned why bankers are so much smarter than the rest