Investor Presentaiton
PCL Ratios
Total PCL as % of average net loans & BAS
Q1/15
Q2/15
Q3/15
Q4/15
Q1/16
Canadian Banking
Retail
0.24
0.25
0.26
0.26
0.28
Commercial
0.12
0.13
0.08
0.15
0.14
Total PCL
0.23
0.24
0.23
0.24
0.26
Net Interest Margin (%)²
2.16
2.26
2.25
2.26
2.35
International Banking
Retail1
2.37
2.28
2.37
2.18
2.09
Commercial¹
0.35
0.19
0.26
0.26
0.28
Total PCL
1.33
1.19
1.27
1.17
1.14
Net Interest Margin (%)²
4.71
4.67
4.77
4.70
4.57
Global Banking & Markets
Total PCL
0.08
0.08
0.08
0.14
0.27
Net Interest Margin (%) 2,3
1.72
1.64
1.62
1.60
1.58
All Bank
Total PCL Ratio
0.42
0.41
0.42
0.424
0.45
Core Banking Margin (%)
2.41
2.41
2.40
2.35
2.38
1234
(1)
(2)
(3)
(4) Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.47
32
Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Net Interest Income (TEB) as % of Average Earning Assets excluding Bankers Acceptances
Corporate Banking only
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