Canadian Retail: Loans and Provisions Financial Overview
Customer Assistance Programs
(As of October 31, 2020)
Retail Product Types¹
Canada
Mortgages
Number of
customer accounts¹
Amount
outstanding¹
% Current following Deferral Expiry
1,2
#('000s)
%
($B)
%
Credit Cards
Personal Loans³
Total/Average
6363
16
45.7%
$4.26
87.1%
98.0%
8.6%
$0.02
0.4%
85.3%
16
45.7%
$0.61
12.5%
92.8%
35
100%
$4.89
100.0%
97.2%
Change from September 30, 2020
-$11.5
Change from July 31, 2020
-$36.6
International
Mortgages
36
7.3%
$3.70
61.6%
90.5%
Credit Cards
299
61.4%
$0.96
16.0%
81.6%
Personal Loans³
152
31.2%
$1.34
22.4%
87.0%
Total/Average
486
100.0%
$6.00
100.0%
87.8%
Change from September 30, 2020
-$2.5
Change from July 31, 2020
-$12.1
Canada
Commercial & Small Business ($B)
International
Total
Deferral Balance ($B)5
Significant Decrease in Deferral Exposure
Active
Deferral
Customers
Active Total
Exposures4
($B)
74.3
69.6
-96%
#('000s)
10.6
10.0
0.7
0.2
0.7
4.6
63.7
59.6
1.4
4.8
1 As at October 31st 2020
2 Canadian payments % includes accounts that have not yet completed first billing cycle since expiring
Q2/20
Q3/20
■Retail
393% of active deferred Personal Loans in Canada are Auto Loans, 16% of active deferred Personal Loans in International are Auto Loans
4 Figures relate to active deferral exposures and exclude amounts related to covenant relief requests
5 Prior period amounts have been restated to conform to current period presentation
6 Of the $3.0 billion of deferral balance expected as at Q1/21, $1.1 billion relates to retail loans and $1.9 billion relates to commercial loans
15.7
4.8
10.9
Q4/20
Commercial & Small Business
3.06
Q1/21E
12
13View entire presentation