Investor Presentation Second Quarter 2018
CANADIAN BANKING OVERVIEW
A leader in personal & commercial banking, wealth and insurance in Canada
BUSINESS OVERVIEW
2018 PRIORITIES
STRATEGIC OUTLOOK
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Full suite of financial advice and banking solutions to retail, small business
and commercial customers
• Investment, pension and insurance advice and solutions
• Customer focus: Deliver a leading customer experience and deepen
relationships with customers across our businesses and channels
• Structural cost transformation: Reduce structural costs to build the capacity to
invest in our businesses and technology to drive shareholder return
Digital transformation: Leverage digital as the foundation of all our activities to
improve our operations, enhance the client experience and drive digital sales
• Business mix alignment: Optimize our business mix by growing higher margin
assets, building core deposits and earning higher fee income
Leadership: Grow and diversify talent and engage employees through a
performance-focused culture
• Solid Loan Growth: Expect solid loan growth across retail mortgages,
•
auto lending, commercial loans, credit cards and deposits
Margins: Stable to slightly increasing margins
• Provisions for Credit Losses (PCL): Higher PCLs driven by change
in business mix, but risk adjusted margin should remain stable
Productivity: Improving productivity will continue to be an area of focus
•
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Strategic Priorities: Deepen primary relationships and strengthen
customer experience, optimize business mix, focus on cost initiatives
and drive digital transformation
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