Financial Performance and Outlook
U.S. Personal Banking
U.S. Personal Banking¹ (Q4/23)
TD
Highlights
Gross impaired loans
increased quarter-over-
quarter, reflective of
Some further
normalization of credit
performance
Seasonal trends
In USD unless otherwise specified
Gross Loans
($B)
GIL
($MM)
GIL/Loans
(%)
Residential Mortgages
40.8
312
0.76
Home Equity Lines of Credit (HELOC)²
7.6
167
2.19
Indirect Auto
29.6
183
0.62
Credit Cards
14.3
289
2.01
Other Personal
0.7
5
0.67
Total U.S. Personal Banking (USD)
93.0
954
1.03
-
Change vs. Q3/23 (USD)
2.5
30
0.01
Foreign Exchange
35.8
371
n/a
Total U.S. Personal Banking (CAD)
128.8
1,325
1.03
Residential
Current
Estimated LTV
Mortgages
(%)
U.S. Real Estate Secured Lending Portfolio¹
Indexed Loan to Value (LTV) Distribution and Refreshed FICO Scores³
1st Lien
HELOC
2nd Lien
HELOC
(%)
Total
(%)
(%)
>80%
8
1
7
7
61-80%
36
12
35
35
<=60%
56
87
58
58
Current FICO Score >700
93
87
85
92
44
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