Earnings and Dividend Growth
Canadian Retail: Loans and Provisions'
MORTGAGES
AUTO LOANS
216
224
106 91
99
39
89
78
81
35
96
84 85 94
99
105
1 1 0 0
1
4 2 4
2
1
1 1
1 1 00
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
LINES OF CREDIT²
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
CREDIT CARDS
169
164
1,002
896
80
72
87
79 62
70
385
381
445
400
410
322
288
33
70
73
74
65
60
57
32
379
377
401
312 321 310
204
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
PCL as a % of avg. net loans (bps)
Loan Balances Q3/21
Mortgages
Spot ($B)
$270
% Secured
100%
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $8 billion and other smaller portfolios
4 82% secured by real estate; 12% secured by automotive
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
PCLs on Impaired Loans as a % of avg. net loans (bps)
Auto Loans
Lines of Credit²
Credit Cards
Total
$40
100%
$32
$6
$3493
64%
2%
94%4
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