Financial Performance and Digital Progress Update
Canadian Retail: Loans and Provisions'
MORTGAGES
10
10
AUTO LOANS
152
89
78
83
37
41
39
50
2
1
01
11
76
89
65
45
63
(4)
(5)
31
Q1/22
Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
Q1/22
Q2/22
Q3/22 Q4/22 Q1/23 Q2/23
Q3/23
Q4/23
LINES OF CREDIT2
CREDIT CARDS 3
559
380
167
357
312
338
267
268
81
36
48
48
51
60
48
82
82
244
81
321
292
80
240
246
241
45
56
58
28
116
10
(6)
Q1/22
Q2/22 Q3/22 Q4/22
Q1/23
Q2/23 Q3/23
Q4/23
(55)
Q1/22
(59)
Q2/22 Q3/22 Q4/22
Q1/23 Q2/23 Q3/23
Q4/23
PCLs on Impaired Loans as a % of average net loans (bps)4
Auto Loans
$42
Lines of Credit²
Credit Cards
Total 5
$35
$8
$378
100%
64%
2%
94%6
Loan Balances Q4/23
Spot ($Bn)
% Secured
PCL as a % of average net loans (bps)4
Mortgages
$290
100%
1 Includes Wealth Management
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps
4 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is
incorporated by reference hereto
5 Total includes other smaller portfolios
6 83% secured by real estate; 11% secured by automotive
34View entire presentation