Investor Presentaiton
Gross Impaired Loans and Net Write-offs
GILS ($MM) AND GIL RATIO1
67 bps
64 bps
60 bps 58 bps
62 bps
65 bps
67 bps
70 bps
5,305
5,487
5,104
4,786
23
4,456
4,435
26
4,264
219
32
231
4,252
32
18
156
18
141
120
19
95
168
27
130 917
1,079
1,157
1,332
941
904
824
771
3,270
3,268
3,240
3,324
3,695
3,866
4,005
4,041
Q4/21
Q1/22 Q2/22 Q3/22 Q4/22
Q1/23 Q2/23
Q3/23
NET WRITE-OFFS ($MM) AND NET WRITE-OFFS RATIO
34 bps
•
34 bps
29 bps
29 bps
27 bps
25 bps
24 bps
21 bps
656
HIGHLIGHTS
GILs increased $182 million Q/Q but remain below pre-
pandemic levels driven by new formations in retail and
Canadian Commercial partially offset by decrease in
Corporate and International Commercial GILS
。 Canadian Banking: Higher Q/Q driven by new
retail formations mainly in mortgages, auto and
commercial portfolio
。 International Banking: Higher Q/Q driven by new
retail formations mostly in Chile and Peru
HIGHLIGHTS
Net write-offs increased 5 bps Q/Q driven by higher
write-offs in International Retail mainly in unsecured
portfolios in Chile and Colombia
560
563
552
1
8
1
1 457
462
229
123
3
422
5
385
4
4
3
184
200
139
155
144
132
435
432
371
351
311
274
283
302
(33)
(5)
Q4/21
Q1/22
Q2/22
Q3/22 Q4/22
Q1/23
Q2/23
Q3/23
International Banking
Canadian Banking
Global Banking and Markets
Global Wealth Management
1 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition
the measure. Such explanation is incorporated by reference hereto
47View entire presentation