TORONTO (Reuters) - Toronto-Dominion Bank reported fourth-quarter profit that beat analysts’ estimates on Thursday, on lower-than-expected provisions for credit losses and as its Canadian retail business and wholesale banking income grew from a year earlier. Canada’s second-biggest lender said adjusted net income marginally rose to C$2.97 billion ($2.30 billion), or C$1.60 a share, from C$2.95 billion, or C$1.59 a share, a year ago. Analysts had expected C$1.28. TD set aside C$917 million to cover bad loans, lower than the estimated C$1.58 billion and less than half the amount taken in the second quarter. ($1 = 1.2927 Canadian dollars) Reporting By Nichola Saminather; editing by David Evans