Investor Presentaiton
Our Businesses - Canadian Banking
•
•
Personal & Commercial Banking, Wealth and Insurance
Business Overview
Full suite of financial advice and banking solutions to retail, small
business and commercial customers
• Revenue mix: retail (56%), wealth (27%), commercial (17%)
•
Investment, pension and insurance advice and solutions
Average loan mix: residential mortgage (62%), personal & credit card
loans (24%), business and government loans & acceptances (14%)
Business Performance
Q2 2017 Highlights
•
47% of consolidated net income¹
Net income is up 11%², adjusting for
the gain on disposition of a non-core
lease finance business
Stable NIM
Strong growth in retail chequing
accounts, 10%, and savings deposits,
11%
Loan growth of 5%³
Positive operating leverage YTD
2017 Priorities
•
Deliver an excellent customer experience across businesses and
channels
Optimize business mix by growing high-return assets, building core
deposits, and earning higher fee income
Continue focus on operational improvement to reduce structural costs
and improve productivity
Q2 2017 Key Data
In C$
Total Loans (avg.)
Total Deposits (avg.)
Net Income
Productivity Ratio
Branches
$312B
$231B
$971MM
50.9%
# of Employees
971
25,774
Net Income ($m)
.
Enhance our digital offering and e-commerce capabilities to drive
digital sales and engagement
1000
980
977(4)
981
971
954
960
Continue focus on operational improvement to reduce structural costs
and improve productivity
940
930
920
(1)
Excludes Other segment
900
(2)
Real estate gains contributed to 6% of the 11% growth in Q2/17
(3)
Excluding Tangerine mortgage run-off portfolio
(4) Includes gain on sale of a non-core lease financing business of $100 million after-tax
14
Q2/16 Q3/16 Q4/16 Q1/17 Q2/17
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