Investor Presentaiton
Credit Quality
GILS ($MM) AND GIL RATIO1
81 bps
81 bps
84 bps
81 bps
73 bps
77 bps
78 bps
67 bps
4,770,27
218
1,106
5,120 31 5,148 26 5,053 26 5,279 39 5,116 33
285
-209
-302
-224
-2864,735
28
1,222
1,209
1,067
1,049
1,040
921
235 4,456
941
26
219
3,419
3,582
3,704
3,676
3,949
3,757
3,551
3,270
•
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21
Q2/21 Q3/21 Q4/21
NET WRITE-OFFS ($MM) AND NET WRITE-OFFS RATIO1
HIGHLIGHTS
GILs trending down, below pre-Covid levels
О Lower impairments across portfolios
Retail write-offs in International Banking
о
Positive FX impact
GIL ratio improved 6 bps Q/Q
HIGHLIGHTS
76 bps
62 bps
.
Net write-offs declined 11% Y/Y and 43% Q/Q
54 bps
47 bps
47 bps
41 bps
43 bps
1,141
34 bps
•
13
Significant reduction in International Banking
983
219
8
173
827
-27 732
750
-13
33
674
632
-25
256
-26
560
Net write-offs ratio declined 28 bps Q/Q and is below
pre-pandemic levels
265
266
201
1
227
123
910
801
544
454
450
448
435
379
Q1/20 Q2/20
Q3/20
Q4/20 Q1/21
Q2/21 (1) Q3/21
Q4/21
International Banking
Canadian Banking
Global Banking and Markets
Global Wealth Management
1 Refer to page 141 of the Management's Discussion & Analysis in the Bank's 2021 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation
is incorporated by reference hereto
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