TECHNOLOGY @ RBC
Strong underlying credit quality in Canadian Banking
Canadian Banking Outstanding Lending Exposure(1)
(Average balances, $ billions)
Canadian Banking FICO Score Distribution - Retail
(As of Q4/2020)
Residential
Mortgages
37
HELOCS
37
Personal Lending
41
(excl. HELOCs)
40
17
Credit Cards
17
6
Small Business
Commercial (2)
82
84
■ Q4/2020
■Q3/2020
293
283
<620
3%
620-680
7%
784
weighted
average
>720
79%
681-720
11%
PCL on Impaired Loans ($MM)
PCL on Impaired Loans (bps) (1)
90+ Days Past Due (bps) (3)
Q4/19
Q3/20
Q4/20
Q4/19
Q3/20
Q4/20
Q4/19
Q3/20
Q4/20
Average FICO Score
Q4/20
Residential Mortgages
$9
$6
$10
1
1
18
17
14
788
Personal Lending
$133
$84
$44
65
42
22
31
34
22
776
Credit Cards
$139
$106
$89
283
250
205
69
66
47
737
Small Business
$11
$14
$9
80
100
58
105
172
2
156
Commercial (2)
$57
$54
$17
28
26
9
64
70
72
$349
$264
$169
31
23
14
(1) Calculated using average net of allowance on impaired loans. (2) Commercial excludes Small Business. (3) The 90+ day past due rate includes all accounts that are either 90 days or more past due or are in impaired status..
22 RISK REVIEW
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