2020 Economic Outlook
Strong underlying credit quality in Canadian Banking
PCL on Impaired Loans Across our Canadian Banking Business Lines
272
Q1/2020 Average balance ($ billions)
80
5
82
20
Residential Mortgages
Personal Lending
Credit Cards
Small Business
Commercial (2)
Q1/19 Q4/19 Q1/20
Q1/19 Q4/19 Q1/20
Q1/19
Q4/19 Q1/20
Q1/19 Q4/19 Q1/20
Q1/19 Q4/19 Q1/20
PCL on Impaired Loans ($MM)
PCL on Impaired Loans (bps) (1)
$10
$9
$10
$121 $133 $129
$116
$139 $137
$5
$11
$12
$41
$57 $12
2
1
1
59
65
64
242
283
274
42
80
88
22
28
6
90+ Days Past Due (bps)
18
18
18
31
31
33
67
69
81
94
105
111
60
50
5.
64
64
(1) Calculated using average net of allowance on impaired loans. (2) Commercial excludes Small Business.
13 | BUSINESS SEGMENTS
RBCView entire presentation