Financial Performance and Digital Progress Update
Digital Progress: Canada
DIGITAL ADOPTION (%)
+8%
ACTIVE
3,599 3,847
4,071
4,368 4,368 4,705
+170 bps
DIGITAL USERS
( %23'000 )
+31%
55%
59%
61%
61%
62%
50%
2019 2020 2021
2022 Q4/22 Q4/23
+1,230 bps
+11%
2019
2020
2021
2022
Q4/22
Q4/23
ACTIVE
3,073
3,393
3,704
3,704
4,117
DIGITAL SALES (%)
MOBILE USERS
( %23'000 )
2,666
+54%
-40 bps
2019
2020 2021
2022
Q4/22
Q4/23
+60 bps
28%
28%
28%
26%
23%
+150 bps
16%
SELF-SERVE
TRANSACTIONS
87%
92%
93%
93%
93%
94%
+670 bps
(%)
2019
2020
2021
2022
Q4/22
Q4/23
2019
2020
2021
2022
Q4/22 Q4/23
Definitions
Digital Sales (% of retail unit sales using Digital platforms, excluding auto, broker originated mortgages and mutual funds)
Digital Adoption (% of customers with Digital login (90 days) / Total addressable Customer Base)
Digital Users: # of customers who logged into website and / or mobile in the last 90 days
Mobile Users: # of customers who logged into mobile in the last 90 days
Self-serve Transactions: % of Financial transactions through Digital, ABM, IVR
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