Investor Presentaiton
Canadian Retail: Loans and Provisions'
MORTGAGES
AUTO LOANS
224
216
96
85
85
11
1 0 0 14
2
78
84
94
99
105
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20
LINES OF CREDIT²
169
164
96
72
80
70
73
87
74
73
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20
PCL as a % of avg. net loans (bps)
Mortgages
Loan Balances Q3/20
Spot ($B)
% Secured
$238
100%
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion and other smaller portfolios
481% secured by real estate; 13% secured by automotive
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20
CREDIT CARDS
1002
896
402
381
385
339
379 377
445
401
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20
PCLs on Impaired Loans as a % of avg. net loans (bps)
Auto Loans
Lines of Credit²
Credit Cards
Total
$39
100%
$33
$7
$3183
63%
3%
94%4
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