Americas Wholesale and Retail Banking Overview
Residential Mortgages
⚫ Four Distinct Distribution Channels¹: 1. Broker (~63%); 2. Branch (~16%); 3. Mobile Salesforce (~21%) and 4. eHOME (<1%)
FICO® Distribution - Canadian Uninsured Portfolio 2,3
Q3-20
Q2-21
Q3-21
65%
Canada
Average FICO® Score
Canada
795
GTA
798
Total Originations ($B)
Uninsured LTV
13.0
16.9
26.6
64%
64%
65%
GVA
795
748-788
> 788
15%
10%
8%
2%
< 635
636 - 706
707-747
Canadian Mortgage Portfolio: $270B (Spot balances as at Q3/21, $B)
33%
Insured
Freehold $230B
(85%)
Condos - $40B
(15%)
Greater Toronto Area
Total Originations ($B)
Uninsured LTV
Greater Vancouver Area
Total Originations ($B)
Uninsured LTV
3.7
5.0
7.8
62%
63%
64%
1.5
2.1
3.3
63%
63%
64%
$145.5
$19.1
$52.4
$126.4
$32.4
$14.0
$3.8
$38.4
$28.6
Ontario
BC & Territories
Alberta
$18.5
$16.0
Quebec
$11.4
$2.5
$11.2
$10.2
$0.2
$0.7
Total
Portfolio4:
$270 billion
$9.5
Atlantic
Provinces
Manitoba &
Saskatchewan
% of
53.8%
19.4%
12.0%
6.8%
4.2%
3.8%
portfolio
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
67%
Uninsured
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