Investor Presentaiton
CANADIAN RETAIL: LOANS AND PROVISIONS
MORTGAGES
PERSONAL LOANS1
95
85
80
70
66
88
78
69
69
63
TOTAL RETAIL
10 10 12
2
1 11
35
33
28
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
25
25
31
31
30
30
24
25
28
LINES OF CREDIT²
CREDIT CARDS
96
458
86
81
349
75
402
68
330
292
415
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
75
70
68
70
73
339
269
283
241
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
PCL as a % of avg. net loans (bps)
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
PCLs on Impaired Loans as a % of avg. net loans (bps)
Loan Balances
Q3/19
Mortgages
Personal Loans¹ Lines of Credit2
Credit Cards
Total
Spot ($B)
$222
$40
$34
$8
$3043
% Secured
100%
99%
62%
3%
93%4
196% are automotive loans
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion
4 80% secured by real estate; 13% secured by automotive
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