Financial Performance and Digital Progress Update
Retail 90+ Days Past Due Loans¹,2
CANADA³ Q1/22
Q2/22
Q3/22
Q4/22
Q1/23
Q2/23
Q3/23
Q4/23
Mortgages
0.12%
0.10%
0.09%
0.09%
0.11%
0.12%
0.14%
0.16%
Personal Loans 0.44%
0.40%
0.42%
0.49%
0.56%
0.58%
0.63%
0.69%
Credit Cards 0.69%
0.69%
0.65%
0.72%
0.70%
0.71%
0.61%
0.70%
Secured and
0.17%
0.18%
0.16%
0.17%
0.20%
0.25%
0.22%
0.29%
Unsecured Lines of Credit
Total 0.17%
0.15%
0.15%
0.15%
0.18%
0.20%
0.22%
0.25%
INTERNATIONAL
Q1/22
Q2/22
Q3/22
Q4/22
Q1/23
Q2/23
Q3/23
Q4/23
Mortgages 2.20%
2.14%
2.16%
2.21%
2.20%
2.24%
2.33%
2.39%
Personal Loans
3.33%
3.05%
3.03%
3.14%
3.41%
3.50%
3.60%
3.78%
Credit Cards 1.88%
1.73%
1.99%
2.32%
2.37%
2.75%
2.79%
2.95%
Total
2.42%
2.30%
2.34%
2.42%
2.47%
2.56%
2.64%
2.74%
1 Defined as: loan balance that is 90+ days past due, divided by the total loan balance, on a spot basis
2 Does not reflect impact of payment deferral programs
3 Includes Wealth Management
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