Financial Markets Summary Q4 2022
APPENDIX 12 | TOTAL LOAN PORTFOLIO OVERVIEW
Loan Distribution by Borrower Category
($B)
Retail
Secured - Mortgage & HELOC
Secured Other
-
Unsecured
(1)
As at
October 31, 2022
% of Total
95.6
46%
12.7
6%
3.9
2%
2.1
1%
■ Secured lending accounts for 95%
of Retail loans
☐
Indirect auto loans represent 1.8% of total
loans ($3.7B)
■ Limited exposure to unsecured retail and
cards (2.9% of total loans)
114.3
55%
☐
Non-Retail portfolio is well-diversified
Credit Cards
Total Retail
Non-Retail
Real Estate and Construction RE
22.4
11%
Finance Services
10.8
5%
Utilities
9.7
5%
Utilities excluding Pipeline
6.9
4%
Pipeline
2.8
1%
Agriculture
8.1
4%
Manufacturing
7.4
4%
Retail & Wholesale Trade
6.7
3%
Other Services
6.2
3%
Other(2)
21.6
10%
Total Non-Retail
92.9
45%
Purchased or Originated Credit-Impaired
0.5
0%
Total Gross Loans and Acceptances
207.7
100%
(1) Includes indirect lending and other lending secured by assets other than real estate.
(2) Refer to SFI page 19 for remaining borrower categories.
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