Investor Presentaiton
Retail 90+ Days Past Due Loans¹,2
CANADA³
Q2/21
Q3/21
Q4/21
Q1/22
Q2/22
Q3/22
Q4/22 Q1/23
Mortgages
0.16%
0.13%
0.12%
0.12%
0.10%
0.09%
0.09%
0.11%
Personal Loans 0.51%
0.41%
0.39%
0.44%
0.40%
0.42%
0.49%
0.56%
Credit Cards
0.75%
0.57%
0.63%
0.69%
0.69%
0.65%
0.72%
0.70%
Secured and
0.18%
0.15%
0.16%
0.17%
0.18%
0.16%
0.17%
0.20%
Unsecured Lines of Credit
Total
0.21%
0.18%
0.17%
0.17%
0.15%
0.15%
0.15%
0.18%
INTERNATIONAL
Q2/21
Q3/21
Q4/21
Q1/22
Q2/22
Q3/22
Q4/22
Q1/23
Mortgages 2.67%
2.60%
2.36%
2.20%
2.14%
2.16%
2.21%
2.20%
Personal Loans 5.29%
4.42%
3.73%
3.33%
3.05%
3.03%
3.14%
3.41%
Credit Cards 5.83%
3.14%
2.20%
1.88%
1.73%
1.99%
2.32%
2.37%
Total
3.69%
3.09%
2.66%
2.42%
2.30%
2.34%
2.42%
2.47%
1 Defined as: loan balance that is 90+ days past due, divided by the total loan balance, on a spot basis
2 Does not reflect impact of payment deferral programs
3 Includes Wealth Management
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