Investor Presentaiton
Canadian Retail: Loans and Provisions'
0 0
MORTGAGES
AUTO LOANS
89
18
83
33
63
76
65
63
78
37
41
39
50
4
45
1
0
11
2
31
1
(6) (4) (5)
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
LINES OF CREDIT 2
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
CREDIT CARDS 3
380
357
312
267
268
338
234
244
81
41
48
51
60
82
321
48
36
241
240 246
80
45
56
58
116
28
10
(8) (6)
(84)
(55)
(59)
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
PCL as a % of average net loans (bps)4
Loan Balances Q3/23
Spot ($Bn)
% Secured
Mortgages
$294
100%
1 Includes Wealth Management
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
PCLs on Impaired Loans as a % of average net loans (bps)4
Auto Loans
Lines of Credit²
Credit Cards
Total 5
$42
100%
$35
$8
$381
64%
2%
94%6
3 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps
4 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto
5 Total includes other smaller portfolios
6 83% secured by real estate; 11% secured by automotive
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