Investor Presentaiton
Canadian Retail: Loans and Provisions'
MORTGAGES
4
0 0
1
2
4
2
1
1 1
1100
AUTO LOANS
216 224
96
106 91 99
39
4
0
94
99 105
89
81
78
35
0
(6)
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21
LINES OF CREDIT³
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21
CREDIT CARDS
169
164
80
III
1,002
896
79
62 70
385
400
410
33 41
322
288
234
73
87
445
74
65
60
57
377
401
312 321 310
32
204
(84)
(8)
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21
PCL as a % of avg. net loans (bps)²
Loan Balances Q4/21
Mortgages
Spot ($B)
% Secured
$280
100%
PCLs on Impaired Loans as a % of avg. net loans (bps)²
Auto Loans
Lines of Credit³
Credit Cards
$40
100%
$32
64%
$6
2%
Total
$3604
95%5
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is
incorporated by reference hereto
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 Includes Tangerine balances of $9 billion and other smaller portfolios
5 83% secured by real estate; 12% secured by automotive
33View entire presentation