Investor Presentaiton
Canadian Banking
Top 3 bank in personal & commercial banking in Canada
Canadian Banking provides a full suite of financial advice and banking solutions, supported by an excellent customer
experience, to Retail, Small Business, Commercial Banking customers. Canadian Banking also provides an alternative self-
directed banking solution to over 2 million Tangerine Bank customers.
Retail
76%
REVENUE MIX1,2
$2.5B
Commercial
24%
Residential
Mortgages
61%
AVERAGE
LOAN MIX1
$355B
MEDIUM-TERM FINANCIAL OBJECTIVES
Target³
NIAT Growth4
5%+
Productivity Ratio
<44%
Credit Cards
20%
17%
Business and
Government Loans
Personal
Loans
Operating Leverage
Positive
STRATEGIC OUTLOOK
Improve Sustained Business Performance: Invest to grow our higher ROE businesses, including Business Banking, to deliver consistent
and stable long-term earnings growth
⚫ Instill a Winning team Culture: Engage employees through a RESULTS (Revenue, Earnings, Simplify, Urgency, Listen, Trust, Support)
focused culture
Superior Customer Experience: Develop deeper household relationships for our customers across Canada by providing differentiated
focus and service to those who are most loyal and engaged
Scale our unique partnerships and assets: Leverage our long-term partnerships and assets like MLSE, Scene and Wealth businesses to
generate growth across our division
1 For the three months ended April 30, 2020; 2 Reflects the adoption new leases accounting standards, IFRS16; 33-5 year target from 2020 Investor Day; 4 Adjusted Net income attributed to equity
shareholders
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