RBC Financial Strategy and Performance slide image

RBC Financial Strategy and Performance

Strong underlying credit quality in our Canadian residential portfolio Canadian Residential Mortgage Portfolio (1) As at January 31, 2019 ($ billions) LTV (2) 50% 46% 62% 57% 57% 57% $118.4 ■Insured Uninsured $102.9 (38%) $166.1 (62%) 68% $49.2 $37.5 $32.2 69% 45% $17.5 60% 32% 49% 55% 31% 40% 51% $14.2 46% 54% Ontario B.C. & Alberta Quebec Territories Manitoba & Sask. Atlantic Canadian Mortgage Portfolio ☐ ☐ RBC Average remaining amortization on mortgages of 18 years Strong underlying quality of uninsured portfolio (2) ~49% of uninsured portfolio have a FICO score >800 Greater Toronto Area and Greater Vancouver Area average FICO scores are above the Canadian average ■ Condo exposure is ~10% of residential lending portfolio Canadian Banking Residential Lending Portfolio (2) As at January 31, 2019 Total ($285.6BN) Uninsured ($205.7BN) Mortgage HELOC LTV (2) GVA GTA Average FICO Score (2) 90+ Days Past Due(2)(3) $246.0BN $166.1BN $39.6BN $39.6BN 52% 51% 43% 43% 48% 48% 789 796 21 bps 17 bps 9 bps 7 bps GVA GTA Business Segments 8 bps 7 bps 14 (1) Canadian residential mortgage portfolio of $269BN comprised of $246BN of residential mortgages, $7BN of mortgages with commercial clients ($4BN insured) and $16BN of residential mortgages in Capital Markets held for securitization purposes. (2) Based on $246BN in residential mortgages and HELOC in Canadian Banking ($39.6BN). Based on spot balances. Totals may not add due to rounding. (3) The 90+ day past due rate includes all accounts that are either 90 days or more past due or are in impaired status.
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