Financial Health and Performance Overview
Strong Credit Quality
GILS ($MM) AND GIL RATIO1
73 bps
67 bps
64 bps
60 bps
58 bps
62 bps
65 bps
67 bps
4,786 18
5,104 18
141
5,305 23
4,735
156
2-28 4,456
235
-219
921
941
-26 4,435 32 4,264-
904
231
168
4,252 27
-32
-130 917
1,157
1,079
824
771
3,551
3,270
3,268
3,240
3,324
3,695
3,866
4,005
Q3/21
Q4/21
Q1/22
Q2/22
Q3/22
Q4/22
Q1/23
Q2/23
HIGHLIGHTS
GILs increased $201 million Q/Q ($74 million excluding
the impact of foreign exchange)
New formations in Retail Banking partially offset a by
decrease in Commercial and Corporate GILS
。 International Banking: Higher Q/Q driven by
impact of foreign exchange and new retail
formations in the Pacific Alliance countries
。 Canadian Banking: Higher Q/Q driven by new
retail formations mainly in prime auto and
Commercial
NET WRITE OFFS ($MM) AND NET WRITE OFFS RATIO 1
•
62 bps
29 bps
29 bps
983 1
8
173
34 bps
27 bps
25 bps
24 bps
21 bps
563
552
560
123
1
✓ 8
457
3
462
5
= 4
422 4
385
3
184
200
801
139
155
144
132
HIGHLIGHTS
Net write-offs decreased 2% Q/Q, continuing to
remain below historically low levels in both Canada
and International
。 International Banking: Net write-offs were lower
Q/Q driven by Commercial portfolios. Retail net
write-offs were relatively unchanged Q/Q
。 Canadian Banking: Net write-offs grew Q/Q but
remain below historically low levels
435
371
351
311
274
283
302
Q3/21
Q4/21
Q1/22
Q2/22
Q3/22 (33) Q4/22
Q1/23
Q2/23
International Banking
Canadian Banking
Global Banking and Markets
Global Wealth Management
1 Refer to page 54 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto
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