COVID-19 Business Impact Presentation
GILs and GIL Formations by Business Line
86 bps
5,229
89 bps
5,364
GILS² ($MM) AND GILS RATIO1, 2
84 bps
77 bps
78 bps
289 10
5,135
202- 14
237 10 4,770
1,069
218-27
1,069
1,087
5,120
285
1,222
31
1,106
3,996
3,944
3,801
3,419
3,582
Q2/19
Q3/19
Q4/19
Q1/20
Q2/20
YEAR-OVER-YEAR HIGHLIGHTS
GILs increased 7% Q/Q but declined 5% Y/Y
GILs ratio up 1 bp Q/Q and down 11 bps
Y/Y primarily due to the impact of
divestitures in International Banking
Net formations increased 26% Q/Q and were
up 42% Y/Y
NET FORMATIONS² ($MM) AND NET FORMATIONS RATIO 1,2
GILs Ratio
(bps)1,2
Q2/19 Q3/19 Q4/19 Q1/20 Q2/20
19 bps
16 bps
14 bps
14 bps
16 bps
1,220
76
-3
978
968 2
861
861
41
7
3
420
306
315
337
295
Canadian
Banking
International
32
31
31
31
34
257
258
253
230
229
Banking
Global Banking
28
19
23
23
20
721
and Markets
Global Wealth
20
22
22
589
633
622
622
8
8
8
21
23
23
Management
All Bank
89
86
84
77
78
Q2/19
-81
Q3/19
Q4/19
Q1/20
Q2/20
Canadian Banking
Global Banking and Markets
Global Wealth Management
International Banking
1 As a percentage of period end loans and acceptances
2 Prior to Q1/20, amounts for Global Wealth Management Retail were included in Canadian Banking Retail
21View entire presentation