Investor Presentaiton
0.00%
2001
0.50%
2002
1.00%
2003
1.50%
2004
PCL Ratio on Impaired Loans
1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures
2005
0.00%
0.50%
1.00%
2002: Included $454
2.00%
million related to the
1.50%
Bank's exposure to
Argentina
2005
2006
2007
Historical PCL Ratios on Impaired Loans
Credit fundamentals remain strong; PCLs on impaired loans in line with long-term average
ALL BANK: HISTORICAL PCL RATIO ON IMPAIRED LOANS¹
2008
2009
2009: Higher PCLs driven
by economic conditions,
event distributed across
business lines. Higher
general allowance and
sectoral allowance
(automotive related)
2.00%
PCL Ratio on Impaired Loans
Historical Average - PCL Ratio on Impaired Loans (44 bps)
CANADIAN BANKING: HISTORICAL PCL RATIO ON IMPAIRED LOANS1
2006
2007
2008
2009
2010
2011
2012
2013
2014
Historical Average - PCL Ratio on Impaired Loans (26 bps)
2015
2016
2017
45
45
2010
2018
2019
Average: 26 bps
2019
Average: 44 bpsView entire presentation