Investor Presentaiton
Financial Review | Impaired Loans
Gross Impaired Loans ($MM, bps)
81
Net Impaired Loans ($MM, bps)
75
53
49
62
265.9
250.9
52
175.9
37
163.9
33
214.2
43
29
188.1
126.2
29
119.5
159.0
105.7
112.1
185.2
103.2
176.5
145.2
63.9
61.1
124.4
48.6
94.8
57.7
62.6
54.0
51.4
50.0
47.5
58.2
53.5
52.1
50.4
18.1
16.2
15.5
11.5
13.8
Q3/21
Q4/21
Personal
Q1/22
Residential mortgage
Q2/22
Q3/22
6.1
Q3/21
6.7
10.9
8.5
9.6
Q4/21
Commercial
bps
Personal
Q1/22
Residential mortgage
Q2/22
Q3/22
Commercial
⚫bps
Gross Impaired Loans (GIL) Net Formation ($MM)
Y/Y Highlights
•
Gross impaired loans decreased by $106.9MM mainly due to
favourable repayments and write-offs of previously provisioned
accounts in the commercial loan portfolio
Net impaired loans decreased by $70.2MM
Q/Q Highlights
•
Gross impaired loans decreased by $29.1MM mainly for the same
reasons
Net impaired loans decreased by $13.8MM
32.9
188.1
- 18.9
•
- 14.2
159.0
- 22.1
- 6.7
GIL (Q2/22)
New
Seeing
beyond
numbers."
Returning
•
Net
Write-offs
Other
GIL (Q3/22)
Formations to performing Repayments
Voir
au-delà
des chiffres."
23
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