Canadian Personal & Commercial Banking - Financial Results
Gross Impaired Loans and Formations
Formations
•
Gross Impaired Loans
Gross Impaired Loans (GIL) ratio³ 44 bps,
up 3 bps Q/Q
By Industry
($MM, as at Q3'23)
CA &
CA &
U.S. Total
U.S.
Total
Other
Other¹
Formations ($MM)
Consumer
206
78
284
495
343
838
843
917
499
521
Service Industries
63
147
210
278
297
575
341
525
633
299
275
164
Retail Trade
41
3
44
174
212
386
177
200
246
318
284
Commercial Real Estate
20
40
60
95
108
203
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
■Consumer
Business & Government
Wholesale Trade
49
69
118
75
125
200
Manufacturing
Agriculture
27
32
13
35
48
84
13
40
26
97
181
Gross Impaired Loans ($MM)
66
89
155
2,658
2,844
1,954
1,991
2,027
Transportation
3
46
49
16
Construction (non-real estate)
3
16
19
62
Financial
2
38
40
Other Business and Government²
2
3
5
15
62
55
97
113
1,828
2,006
1,367
1,384
1,382
37
99
587
607
645
830
838
49
54
Q3'22
Q4'22
Q1'23
Q2'23 Q3'23
25
40
■Consumer
Business & Government
Total Business and Government
223
410
633
870
1,136 2,006
GIL Ratio³ (bps)
Total Bank
429
488
917
1,365
1,479
2,844
1 Total Business and Government includes approximately $4.9MM GIL from Other Countries
2 Other Business and Government includes industry segments that are each <1% of total GIL
3 Gross impaired loans over total gross loan and acceptances, expressed in basis points
BMOM
44
41
36
35
36
Q3'22
Q4'22
Q1'23
Q2'23
Q3'23
•
Risk Review August 29, 2023
24View entire presentation