Investor Presentaiton
Canadian Retail: Loans and Provisions
TOTAL RETAIL
MORTGAGES
10
12 21
1 1
1
1
35
33
28
30
Q4/18 Q1/19 Q2/19 Q3/19 Q4/19
25
31
30
30
28
25
LINES OF CREDIT²
PERSONAL LOANS1
95
80
85
84
70
88
78
81
69
69
Q4/18 Q1/19 Q2/19 Q3/19 Q4/19
CREDIT CARDS
96
81
86
72
68
Q4/18 Q1/19 Q2/19 Q3/19 Q4/19
75
73
68
70
775
458
402
381
349
292
70
415
379
339
283
241
Q4/18 Q1/19 Q2/19 Q3/19 Q4/19
Q4/18 Q1/19 Q2/19 Q3/19 Q4/19
PCL as a % of avg. net loans (bps)
PCLs on Impaired Loans as a % of avg. net loans (bps)
Loan Balances Q4/19
Mortgages
Personal Loans¹1
Lines of Credit²
Credit Cards
Total
Spot ($B)
% Secured
$227
$41
$34
$8
$3103
100%
99%
61%
3%
93%4
195% are automotive loans
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion
480% secured by real estate; 13% secured by automotive
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