International Banking - Annual Overview
1 Calculated as Bus& Gov't deposits less Wholesale Funding, adjusted for Sub Debt
Q4/14
Q1/15
Q2/15
Q3/15
Q4/15
Q1/16
Q2/16
Q3/16
Q4/16
Q1/17
Q2/17
Q3/17
Q4/17
$174
.
$169
$155
$149
$172
$139
$161
$156
$156
$123
$116
$129
$126
Q4/14
Q1/15
Q2/15
BUSINESS & GOVERNEMENT DEPOSITS1
(SPOT, CANADIAN DOLLAR EQUIVALENT, $B)
Q3/15
Q4/15
Q1/16
Q2/16
Q3/16
Q4/16
Q1/17
Q2/17
Q3/17
Q4/17
•
3Y CAGR 14.4%
Focusing on operational, regulatory
friendly deposits
BUSINESS & GOVERNMENT
Leveraging relationships to increase
share of deposits
• 14.4% CAGR over the last 3 years
DEPOSIT OVERVIEW
Solid growth in both personal and business and government deposits
PERSONAL DEPOSITS
(SPOT, CANADIAN DOLLAR EQUIVALENT, $B)
$180
$175
$186
$181
$193
$190
$196
$195
$202
$199
$200
$199
$198
3Y CAGR -4.5%
.
PERSONAL DEPOSITS
Important for both relationship purposes
and regulatory value
4.5% CAGR over the last 3 years
。 83% of personal deposits are in Canada,
growing at ~4% CAGR
。 17% of personal deposits are outside Canada
and growing at ~9% CAGR
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