Q2 F2023 - Bank of the West Contribution & Financial Results
Gross Impaired Loans and Formations
Formations
Gross Impaired Loans
By Industry
($MM, as at Q2 23)
CA &
CA &
U.S. Total
U.S.
Total
Other
Other¹
Consumer
228
90
318
489
341
830
Service Industries
42
26
68
231
183
414
Gross Impaired Loans (GIL) ratio³ 41 bps, up
5 bp Q/Q and flat Y/Y
GIL includes BOTW impaired balances of
$436MM
Formations ($MM)
843
Retail Trade
10
143
153
136
235
371
521
499
Manufacturing
25
59
84
97
149
246
333
341
525
299
275
Agriculture
9
6
15
56
168
224
173
164
160
177
200
246
318
Commercial Real Estate
34
37
71
90
84
174
Q2'22
Q3'22
Q4'22
Q1'23
Q2'23
Construction (non-real estate)
7
59
Wholesale Trade
1
26
62
66
61
80
141
■Consumer
Business & Government
27
28
62
Transportation
4
28
32
17
74
Rང
Gross Impaired Loans ($MM)
2,658
2,123
Oil & Gas
1,954
1,991
2,027
0
0
0
6
24
30
1,828
Other Business and Government²
1,523
5
4
9
35
12
47
1,367
1,384
1,382
600
587
607
645
830
Total Business and Government
137
388
525
757
1,071
1,828
Q2'22
Q3'22
Q4'22
Q1'23
Q2'23
Total Bank
365
478
843
1,246
1,412
2,658
■Consumer
1 Total Business and Government includes approx. $12.7MM GIL from Other Countries
2 Other Business and Government includes industry segments that are each <1% of total GIL
3 Gross impaired loans over total gross loan and acceptances, expressed in basis points
BMOM
■Business & Government
GIL Ratio³ (bps)
41
41
36
35
36
Q2'22
Q3'22
Q4'22
Q1'23
Q2'23
•
Risk Review May 24, 2023
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