Canadian Real Estate Secured Lending Portfolio Highlights
Allowance for Credit Losses (ACL)
ACL44: $B and Coverage Ratios48
Highlights
■ ACL decreased quarter-over-quarter,
reflecting improved credit conditions
The release was tempered due to
increased economic uncertainty
The Bank's allowance coverage remains
elevated to account for ongoing
uncertainty that could affect:
The economic trajectory, and
Credit performance
■ Canada
TD
124 126 122
108
103
103
97
$9.2 $9.4
$8.9
93 87 bps
74 $7.9
$8.0 $7.7
$7.3 $7.1 $6.9
■ United States
59% 60%
59%
$5.3
58%
62%
58%
57% 57% 57%
61%
38%
41% 40% 41% 42% 42% 43% 43% 43%
39%
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22
ACL44 by Asset Type: $B
$7.1
$6.9
■Q1/22
■Q2/22
49
U.S. Strategic Card Partners' Share
$3.0 $2.9
$2.3 $2.2
$1.6 $1.6
$0.3 $0.3
$0.8 $0.8
$0.8 $0.8
Residential
Mortgages
Consumer
instalment and 50
other personal
Credit Card
Business &
Government
Total
Performing
0.21 0.21
1.4 1.4
Impaired
0.05 0.05
0.2
0.2
Ratio48 (bps)
9
9
83
81
740
2.2 2.0
0.2 0.2
690
2.7 2.6
0.3 0.3
110 101
6.5 6.2
0.7 0.7
93
33
80
87
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