Investor Presentaiton
Residential Mortgages
⚫ Four Distinct Distribution Channels¹: Broker, Branch, Mobile Salesforce and eHOME. Broker and Mobile Salesforce accounts
for more than 80% of the distribution
FICO® Distribution - Canadian Uninsured Portfolio²
New Canadian Mortgage Originations
64%
Q1-21
Q4-21
Q1-22
Average FICO® Score
Canada
792
GTA
795
GVA
792
Canada
Total Originations ($Bn)
Uninsured LTV3
16.1
21.5
19.9
64%
64%
64%
Greater Toronto Area
16%
10%
8%
2%
< 635
636 - 706
707-747
748-788
> 788
Total Originations ($Bn)
Uninsured LTV3
Greater Vancouver Area
Total Originations ($Bn)
Uninsured LTV3
5.2
6.2
6.0
63%
64%
63%
1.9
2.6
2.5
62%
63%
64%
Canadian Mortgage Portfolio4: $289Bn (Spot balances as at Q1/22, $Bn)
29%
Insured
Freehold $245Bn
Condos $44Bn
-
157.2
20.7
(85%)
(15%)
56.9
136.5
32.9
15.5
3.8
41.4
29.1
Ontario
BC & Territories
Alberta
19.4
16.8
Quebec
11.6
10.5
2.6
0.3
0.7
Total
Portfolio4:
$289 Bn
11.3
9.8
Atlantic
Provinces
Manitoba &
Saskatchewan
% of
portfolio
54.5%
19.7%
11.5%
6.7%
4.0%
3.6%
1 Sum of the parts might not add to 100% due to rounding
2 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination. FICO is a registered trademark of Fair Isaac Corporation
3 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data
4 Includes Wealth Management
71%
Uninsured
24View entire presentation