Global Wealth Management and Banking Overview
Residential Mortgages
⚫ Four Distinct Distribution Channels: 1. Broker (~57%); 2. Branch (~20%); 3. Mobile Salesforce (~23%) and 4. eHOME
FICO® Distribution - Canadian Uninsured Portfolio 1,2
Q1/20
Q4/20
Q1/21
63%
Canada
Average FICO Score
Canada
792
GTA
795
Total Originations ($B)
Uninsured LTV
11.2
16.6
16.1
64%
64%
64%
GVA
793
15%
9%
10%
3%
748-788
> 788
Greater Toronto Area
Total Originations ($B)
Uninsured LTV
Greater Vancouver Area
Total Originations ($B)
Uninsured LTV
3.7
5.0
5.2
63%
63%
63%
1.4
1.9
19
1.9
63%
63%
62%
< 635
636 - 706
707-747
Canadian Mortgage Portfolio³: $250B (Spot balances as at Q1/21, $B)
36%
$132.8
Insured
$17.2
Freehold $214B
(85%)
Condos - $36B
(15%)
$115.6
$47.9
$12.6
$31.5
Total
Portfolio³:
$250 billion
$3.8
$35.3
$27.7
Ontario
BC & Territories
Alberta
$17.1
$15.0
Quebec
$2.1
$11.2
$11.0
$0.2
$9.8 $0.7
Atlantic Provinces
Manitoba &
Saskatchewan
% of
portfolio
53.1%
19.1%
12.6%
6.8%
4.5%
3.9%
64%
1 FICO® distribution for Canadian uninsured portfolio based on score ranges at origination. FICO is a registered trademark of Fair Isaac Corporation
2 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data
3 Includes Wealth Management
Uninsured
22
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