Canadian Banking and Residential Mortgages Overview
Canadian Retail: Loans and Provisions'
MORTGAGES
4
1
2 4
2
1 1 1
1100
AUTO LOANS
216
224
106 91 99
39
99
105
89
81
78
0
35
(6)
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22
LINES OF CREDIT³
169
164
79
62
70
33
41
87
74
65
60
57
32
(8)
37
(4)
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22
CREDIT CARDS
1,002
896
410
400
322
288
244
41
36
234
445
401
312 321 310
(6)
204 (84)
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22
PCL as a % of avg. net loans (bps)²
Loan Balances Q1/22
Spot ($B)
% Secured
Mortgages
$289
100%
(55)
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22
PCLs on Impaired Loans as a % of avg. net loans (bps)²
Auto Loans
Lines of Credit³
Credit Cards
Total
$39
100%
$33
64%
$6
$3684
2%
95%5
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Refer to page 48 of the Management's Discussion & Analysis in the Bank's First Quarter 2022 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such
explanation is incorporated by reference hereto
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 Includes Tangerine balances of $10 billion and other smaller portfolios
5 84% secured by real estate; 11% secured by automotive
45View entire presentation