International Retail Loans and Provisions

Canadian Residential Mortgage Portfolio (1) (2) €2 (Spot Balances as at Q4/15, $ billions) $93.0 $9.5 Total Portfolio: $190 billion Insured Uninsured Average LTV of uninsured 49% 51% mortgages is 53%¹ $83.5 $30.8 $5.8 $30.0 $3.5 $15.3 $1.6 $12.2 $25.0 $26.5 $0.2 $8.8 $0.6 $13.7 $12.0 Ontario B.C. & Territories Alberta Quebec Atlantic Provinces $8.2 Manitoba & Saskatchewan Freehold - $169B Condos - $21B LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data. Some figures on bar chart may not add due to rounding 32

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