Investor Presentaiton
PCLs - Impaired and Performing
PCLs ($MM)
Q4/20 Q1/21 Q2/21 Q3/21 Q4/21
All-Bank
Impaired 835
Performing 2961
762
2
Total
1,1311
764
496
1,192 841
511
(696) (461) (343)
380 168
Canadian Banking
Impaired
238
214
242
135
99
Performing
92
1
(97)
(66)
(195)
Total
330
215
145
69
(96)
International Banking
Impaired 561
528
941
703
407
Performing
1751
(3)
(545) (364)
(93)1
Total
7361
525
396
339
3141
Global Wealth Management
Impaired
Performing
Total
Global Banking and Markets
5
(3)
(3)
3
2
(1)
3
14
1
2
(2)
(2)
(1)
1
HIGHLIGHTS
OUTLOOK
• Fiscal 2022 total PCL Ratio expected to be in the
25 bps range
о Stage 3 PCL expected to be in line with Q4 2021
YEAR-OVER-YEAR
•
Lower PCLs driven mainly by lower performing PCLs.
Total PCLs of $168 million was down 85% and 56%
Q/Q
О Performing PCLs net reversal of $343 million
Release driven primarily by improving
macroeconomic outlook and portfolio
performance
Impaired PCLs of $511 million was driven largely
by International Banking
QUARTER-OVER-QUARTER
Impaired PCLs decreased $330 million, driven largely
by International Retail Banking
Impaired
Performing
34
15
281
Total 621
552
12
6
2
•
(55)
(33)1
(52)1
20
(43)
(27)
(50)1
Other
_1
(1)1
1 Includes provision for credit losses on other financial assets in International Banking of $1 million (Q4/20: -$1 million), in Global Banking and Markets of -$1 million (Q4/20: -$1 million, Q3/21: $1 million), nil in
Global Wealth Management and in Other of -$2 million (Q4/20: $2 million)
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