Liquidity, Funding, and Residential Mortgage Portfolio
COVID-19 - Members and Clients Assistance Programs
◆ Substantial decline in deferral exposure.
♦ We maintain relief measures, notably for harder hit
members and clients, such as:
◆ Payment relief for all their financing products
♦ Reduce interest rates on credit cards
◆ Personalized support for regaining good.
financial health
◆ All relief demands are analysed on a case-by-case
basis.
Desjardins
DECREASE IN DEFERRAL EXPOSURE ($B)
Total: 35.3
Total : 9.8
Total: 3.6
Total: 3.3
1.2
16.2
0.2
17.9
5.0
4.6
0.1
1.7
1.8
0.1
1.4
1.8
Q2 2020
Q3 2020
Q4 2020
Q1 2021
Residential mortgages
Cons., credit cards and other loans
Business and government
Active deferrals
Expired deferrals
1
Product types
Balance ($B)
% of portfolio
Balance ($B)
% Current
% Delinquent
balance
Residential mortgages
1.8
1.3
16.9
99.3
0.7
Insured
0.4
1.0
5.9
99.1
0.9
Uninsured and Heloc's
1.4
1.4
10.9
99.4
0.6
Consumer, credit cards and other loans
0.1
0.3
1.9
96.0
4.0
Credit cards
0.02
0.2
0.9
94.3
5.7
Personal loans
0.04
0.3
1.0
97.4
2.6
Business and government
1.4
2.7
15.9
99.5
0.5
1. Amounts have been reclassified to represent the categories shown in our financial statements.
BALANCE SHEET QUALITY 12View entire presentation