Global Banking and Markets & Canadian Retail Financial Insights

Canadian Retail: Loans and Provisions $195.0 (Spot Balances as at Q1/17, $ billions) Total Portfolio = $268 billion¹; 93% secured² $31.8 $33.9 $6.8 3 Mortgages Lines of Credit Personal Loans Credit Cards % secured 100% 60% 99% 4% PCL2 Q1/17 Q4/16 Q1/17 Q4/16 Q1/17 Q4/16 Q1/17 Q4/16 $ millions 3 3 57 56 80 79 73 65 % of avg. net loans (bps) 1 1 72 70 96 94 437 380 (1) Includes Tangerine balances of $8 billion (2) 81% secured by real estate; 12% secured by automotive (3) Includes JP Morgan Chase acquisition of $1.0 billion 29 29 Scotiabank®

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