Investor Presentaiton
APPENDIX 9 | CANADIAN LOAN PORTFOLIOS
Geographic distribution
(As at January 31, 2024)
Maritimes (2)
Oil
Quebec
Ontario Regions (1)
BC/MB
and
Territories
Total
Within the Canadian loan portfolio:
Limited exposure to unsecured consumer
loans (2.7%)
Modest exposure to unsecured consumer
loans outside Quebec (0.6%)
RESL exposure predominantly in Quebec
Retail
Secured Mortgage & HELOC
24.7%
13.3%
Secured Other
2.1%
1.7%
Unsecured and Credit Cards
2.1%
0.3%
3.7% 2.8%
0.5% 0.8%
0.1% 0.1%
0.9%
45.4%
0.2%
5.3%
0.1%
2.7%
Total Retail
28.9% 15.3%
4.3% 3.7%
1.2%
53.4%
◉
Non-Retail
Commercial
Corporate Banking and Other (3)
Total Non-Retail
19.6% 5.3% 1.3% 2.4%
4.5% 6.6% 3.9%
24.1% 11.9% 5.2%
0.9%
29.5%
1.7%
0.4%
17.1%
4.1%
1.3%
46.6%
Total
53.0% 27.2%
9.5% 7.8%
2.5%
100.0%
Canadian Retail Portfolio 90+ Delinquency Rate (in bps)
Q1 20
Q1 21
Q1 22
Q1 23
Q4 23
Q1 24
Mortgages
VRM
FRM
Personal Lending (4)
Credit Cards
Total
228 2
25
22
11
8
11
13
21
I
26
23
I
31
80
25
19
7
7
14
21
13
8
26
20
75
65
29
25
16
∞ 27
10
10
25
26
31
79
79
92
17
19
22
(1) Oil regions include Alberta, Saskatchewan and Newfoundland.
Maritimes include New Brunswick, Nova Scotia and P.E.I.
(2)
(3)
Includes Corporate, Other FM and Government portfolios.
(4) Personal Lending Direct Loans, Indirect Loans, LOCS, Investment Loans and HELOCS
Q1 2024 90+ delinquency rate:
■ Insured VRM: 32 bps
Uninsured VRM: 17 bps
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