Investor Presentaiton
APPENDIX 10 | PRUDENT PROVISIONING IN UNCERTAIN ECONOMIC ENVIRONMENT
Strong Performing ACL Coverage
Performing ACL/LTM PCL on Impaired Loans
7.1x
6.2x
6.0x
Total Allowances Cover 6.6x NCOs
Total ACL/LTM Net Charge-Offs (Excluding POCI)
6.1x
8.4x
8.6x
8.7x
7.8x
6.6x
4.5x
4.4x
3.4x
1.8x
2.6x
Q1 20
Q1 22 Q1 23
Q2 23
Q3 23
Q4 23
Q1 24
Q1 20 Q1 22 Q1 23
-Total Bank
Q2 23
Total Bank
Q3 23 Q4 23
Q1 24
ABA: Historical PCL and NCOs (Bps)
Strong Total ACL Coverage
Total ACL/Total Loans (excluding POCI and FVTPL)
2019 2020 2021 2022
2023
Q1 24
Q1 20
Q3 23
Q4 23
Q1 24
+
Performing PCL
26
40
44
(3)
Impaired PCL
18
13
6
45
Total PCL
44
53
49
43
NCO
3
2
<1
1
1810-
6
(15)
Mortgages
0.15%
0.31%
0.33%
0.34%
28
58
Credit Cards
7.14%
7.27%
7.15%
7.48%
35
42
1
Total Retail
0.53% I 0.57%
0.59%
0.61%
Total Non-Retail
0.58%
0.76%
0.80%
0.78%
Total Bank
0.56%
0.67%
0.70%
0.70%
28
Note: Performing ACL includes allowances on drawn ($888M), undrawn ($166M) and other assets ($39M)View entire presentation