Economic Backdrop and Financial Performance Objectives
Canadian Banking: Our ~15MM clients continue to adopt our digital channels
Active Digital Users (000s) (1)
Digital Personal Adoption Rate (2)
Active Mobile Users (000s) (1)
7%
120 bps
12%
Pre-
pandemic
9,016
9,192
8,579
7,354
Pre-
pandemic
54.4%
62.5%
62.0%
61.3%
Pre-
pandemic
7,038
6,865
6,287
4,619
Q1/20
Q1/23
Q4/23
Q1/24
Q1/20
Q1/23
Q4/23
Q1/24
Q1/20
Q1/23
Q4/23
Q1/24
Mobile Sessions (millions) (3)
22%
Self-Serve Transactions (4)
Branches
60 bps
Pre-
pandemic
(1)%
162
154
94.1%
94.3%
94.7%
1,206
133
Pre-
pandemic
88.8%
Pre-
I
pandemic
77
Jan-20
Jan-23
Oct-23
Jan-24
Q1/20
Q1/23
Q4/23
Q1/24
1,157
1,143
1,145
Q1/20
Q1/23
Q4/23
Q1/24
(1) These figures (in 000s) represent the 90-Day Active customers in Canadian Banking only and are spot values. (2) Digital Personal Adoption rate calculated using 90-day digital active personal clients.
(3) These figures represent the total number of application logins using a mobile device. (4) Financial transactions only.
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