Following good results for RBC and not such good results for BMO, two more of Canada’s big banks reported their results today. Toronto-Dominion announced that despite revenue and earnings increasing, it is expecting 2015 to create some challenges. Its fourth-quarter profits were weaker than expected with earnings of 98 cents per share against a forecast of $1.05. Meanwhile at CIBC there were record adjusted profits for Q4 of $911 million. Earnings per share came in at $2.24 after adjustments, a cent lower than expected. CIBC also announced that John Manley will become its chairman next April.