Investor Presentaiton
APPENDIX 8 | TOTAL LOAN PORTFOLIO OVERVIEW
(As at January 31, 2024)
Loan Distribution by Borrower Category (1)
$B
% of Total
Retail
Secured - Mortgage & HELOC
100.3
43%
Secured - Other
(2)
15.1
6%
Unsecured
3.6
2%
Credit Cards
2.2
1%
Total Retail
121.2
52%
Non-Retail
Real Estate and Construction RE
27.4
12%
Financial Services
13.0
6%
Utilities
12.4
5%
Utilities excluding Pipeline
8.8
4%
Pipeline
3.6
1%
Agriculture
8.7
4%
Manufacturing
7.3
3%
Retail & Wholesale Trade
7.2
3%
Other Services
6.8
3%
Other (3)
26.9
12%
Total Non-Retail
109.7
48%
Purchased or Originated Credit-Impaired
Total Gross Loans and Acceptances
0.5
0%
231.4
100%
(1) Totals may not add due to rounding.
(2) Includes indirect lending and other lending secured by assets other than real estate.
(3) Refer to SFI page 22 for remaining borrower categories.
■ Secured lending accounts for 95%
of Retail loans
■ Indirect auto loans represent 2.4% of total loans
($5.5B)
■ Limited exposure to unsecured retail and cards
(2.5% of total loans)
■ Non-Retail portfolio is well-diversified
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