Investor Presentation Q3 2020
PCLs by Business Line
TOTAL PCLs ($MM)1, 2, 3 AND PCL RATIO²
136 bps
119 bps
2,181
2400
-
•
1,846
2
149
1900
48 bps
50 bps
51 bps
2
155
752
1400
670
YEAR-OVER-YEAR HIGHLIGHTS
Total PCL ratio² of 136 bps, up 17 bps Q/Q, and
up 88 bps Y/Y
Higher PCL rates primarily due to higher
performing loan PCL related to COVID-19,
unfavourable macroeconomic outlook and
estimated impact of future credit migration
900
753
713
771
4
18
241
247
250
1,278
1,019
400
476
502
503
-100
Q3/19
Q4/19
Q1/20
Q2/20
Q3/20
International Banking
Canadian Banking
Global Banking and Markets
Other
PCL Ratio by
Q3/19
Q4/19
Q1/20
Q2/20
Q3/20
Business Line (bps)
Canadian Banking
284
28
282
77
85
International Banking
1254
1354
1362,4
2784
333
Global Wealth Management
6
44
Global Banking and Markets
All Bank4
-1
48
24
50
72
512
54
504
119
136
1 Includes provision for credit losses on debt securities and deposit with banks of $nil million in Canadian Banking (Q3/19: -$1 million), $nil million in International Banking (Q3/19: $1 million, Q4/19: -$3 million,
Q1/20: -$1 million, Q2/20: $1 million), $1 million in Global Banking and Markets (Q4/19: -$1 million) and -$1 million in Other (Q4/19: $1 million, Q1/20: $1 million, Q2/20: -$2 million)
2 Refer to Non-GAAP Measures on slide 45 for adjusted results
3 Other includes provisions for credit losses in Global Wealth Management of $1 million (Q3/19: -$1 million, Q1/20: $1 million, Q2/20: $2 million)
4 Excludes provision for credit losses on debt securities and deposit with banks
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