Investor Presentaiton
Reconciliation for non-GAAP Financial Measures
Canadian Banking: Risk Adjusted Margin
Canadian Banking
($ millions)
Q1/22
Q2/22
Q3/22 Q4/22 Q1/23
Average total assets¹
411,748
423,218 437,269 445,670 450,040
Less: Non-earning assets
4,129
4,035
4,089
4,112
4,035
Average total earning assets¹
407,619
419,183 433,180 441,558 446,005
Less: Other deductions
20,580
22,478 24,646
26,191 27,284
Average core earning assets¹
387,039 396,705 408,534
415,367
418,721
Net Interest Income
2,133
2,144
2,361
2,363
2,386
Less:
Non-core net interest income
Provision for credit losses
(35)
(12)
93
163
218
Risk Adjusted Net interest income on core earning assets
2,168
2,156
2,268
2,200
2,168
Risk Adjusted Margin
2.22%
2.23%
2.20%
2.10%
2.05%
1 Average balances represents the average of daily balance for the period
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