Investor Presentaiton
RETAIL MORTGAGE AND HELOC PORTFOLIO
Canadian Distribution by Province
(as at April 30, 2020)
55%
68%
26%
Insured
Uninsured & HELOC
63%
8%
32%
6%
5%
37%
31%
57%
69%
43%
48%
QC
ON
AB
BC
Other
Provinces
60%
52%
69%
51%
57%
Average LTV - Uninsured and HELOC(1)
Canadian Uninsured and HELOC Portfolio
HELOC
Uninsured
Average LTV(1)
57%
60%
Average Credit Bureau Score
792
771
90+ Days Past Due (bps)
9
23
ā
Insured mortgages account for 39% of
the total RESL portfolio (69% in Alberta)
Distribution across product and
geography remained stable
Uninsured mortgages and HELOC in
GTA and GVA represent 10% and 2%
of the total portfolio and have an average
LTV(1) of 51% for each segment
Canadian Distribution
by Mortgage Type
HELOC
$23.4B (2)
/ 32%
$72.4B
Uninsured
$21.2B / 29%
Insured
$27.8B
/ 39%
(1) LTV are based on authorized limit for HELOCs and outstanding amount for Uninsured Mortgages. They are updated using Teranet-National Bank sub-indices
by area and property type.
(2) Of which $14.0B are amortizing HELOC.
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