Investor Presentaiton
PCLs - Impaired and Performing
HIGHLIGHTS
PCLs ($MM)
Q1/20² Q2/20 Q3/20 Q4/20 | Q1/21
Total
All-Bank
Impaired 802 870 928
Performing (31)1 9761 1,2531
7711 1,8461 2,1811 1,1311
YEAR-OVER-YEAR
835
762
.
2961
21
7641
Canadian Banking
O
Impaired 258
313
317
238
214
Performing
(8)
357
435
92
Total
250
670
752
330
215
International Banking
Impaired
Performing
508
531
573
561
528
(5)1 4881
705
1751
(3)1
Total
5031
1,0191 1,278
7361
5251
Lower PCLs driven mainly by lower performing PCLs.
Total PCLs of $764 million was down 1% and 32%
Q/Q
Performing PCLs of $2 million increased from
($31) million last year, as COVID-19 pandemic
impact on portfolio credit quality was mostly
offset by the more favourable macroeconomic
outlook
Impaired PCLs of $762 million decreased 5%,
reflecting lower retail provisions in Canadian
Banking driven by lower delinquencies
QUARTER-OVER-QUARTER
•
Impaired PCLs declined $73 million driven by lower
commercial provisions across Canadian and
International Banking and Global Banking and
Markets
Performing PCLs declined $294 million due to the
more favourable macroeconomic outlook and stable
credit quality
Global Wealth Management
Impaired
Performing
Total
1
1
1
11
2
2
11
3
€4
(1)
4
Global Banking and Markets
Impaired
36
25
38
88
.
34
15
Performing
(18)
130
1111
281
51
Total
18
155
1491
621
201
Other
_1
_1
_1
_1
1 Includes provision for credit losses on debt securities and deposit with banks of $nil in Canadian Banking, $nil in International Banking (Q1/20: -$1 million, Q2/20: $1 million, Q4/20: -$1
million), $nil in Global Banking and Markets (Q3/20: $1 million, Q4/20: -$1 million), $nil in Global Wealth Management (Q3/20: -$1 million) and $nil in Other (Q1/20: $1 million, Q2/20: -$2
million, Q4/20: $2 million)
2 Refer to Non-GAAP Measures on slide 37 for adjusted results
14
14View entire presentation