Investor Presentaiton
Credit Performance by Business Lines
Q4/18
Q1/19
Q2/19
Q3/19
Q4/19
(As a % of
Average Net Loans &
PCLs on
PCLs on
PCLs on
Total
Total
Total
Impaired
PCLs (adj.)
Impaired
Impaired
PCLs on
Impaired
Total
PCLS
PCLs on
Total
Impaired
PCLs
PCLS
PCLS
Acceptances)
Loans
Loans
Loans
Loans (adj.) Loans
Total Canadian Banking (%)
0.22
0.23
0.27
0.271
0.28
0.301
0.29
0.271
0.28
0.27
Total Canadian Banking ($MM)
188
198
229
233
233
252
256
240
255
247
Retail (%)
0.25
0.25
0.28
0.28
0.31
0.35
0.33
0.30
0.30
0.30
Retail ($MM)
181
179
201
202
220
245
242
218
226
227
Commercial (%)
0.06
0.15
0.21
0.231
0.09
0.061
0.10
0.161
0.20
0.14
Commercial ($MM)
7
19
28
31
13
7
14
22
29
20
Total International Banking (%)
1.20
1.051
1.23
1.281
1.29
1.301,2
1.36
1.241
1.26
1.341
Total International Banking ($MM)
4662
4122
451
470
472
4773
522
476
477
502
Retail (%)
2.38
2.21
2.33
2.36
2.36
2.352
2.48
2.28
2.34
2.44
Retail ($MM)
412
384
416
421
421
4193
462
425
429
448
Commercial (%)
0.071
(0.06)1
0.19
0.261
0.27
0.301,2
0.30
0.261
0.25
0.30
Commercial ($MM)
543
283
35
493
51
582,3
60
513
48
543
Global Banking and Markets (%)
(0.07)
(0.09)1
(0.01)
(0.07)
(0.02)
(0.02)
(0.01)
(0.01)
0.05
0.02
Global Banking and Markets $MM)
(17)
(20)³
(1)
(16)
(5)
(6)
(2)
(4)
12
43
Other ($MM)
1
(1)
1
_3
All Bank (%)
All Bank ($MM)
0.42
637
0.391
590
0.47
679
0.471
0.49
0.511
0.52
0.481
0.49
0.501
688
700
722
776
713
744
753
1 Excludes provision for credit losses on debt securities and deposit with banks
2 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
3 Includes provision for credit losses on debt securities and deposit with banks of $nil in Canadian Banking (Q1/19: $2 million, Q2/19: -$1 million, Q3/19: -$1 million), -$3 million in International Banking (Q4/18:
$41 million (impaired) and $40 million (total), Q1/19: $2 million, Q2/19: -$1 million, Q3/19: $1 million), -$1 million in Global Banking and Markets (Q4/18: $1 million) and $1 million in Other (Q1/19: -$1 million,
Q2/19: $1 million)
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