FY 2021 BALANCED APPROACH BETWEEN INVESTMENT AND COST MANAGEMENT
APPENDIX 11 | TOTAL LOAN PORTFOLIO OVERVIEW
Loan Distribution by Borrower Category
($B)
Retail
Secured - Mortgage & HELOC
Secured Other (1)
Unsecured
Credit Cards
Total Retail
As at
October 31, 2021
% of Total
■ Secured lending accounts for 95%
of Retail loans
☐
Indirect auto loans represent 1.7% of total
loans ($3.1B)
■ Limited exposure to unsecured retail and
cards (3% of total loans)
Non-Retail portfolio is well-diversified
89.0
49%
10.9
6%
3.7
2%
1.9
1%
105.5
58%
☐
Non-Retail
Real Estate and Construction RE
18.2
10%
Agriculture
7.4
4%
Other Services
5.9
3%
Retail & Wholesale trade
5.6
3%
Manufacturing
5.5
3%
Utilities
5.4
3%
Finance and Insurance
5.0
3%
Oil & Gas and Pipeline
4.3
2%
Oil & Gas
1.8
1%
Pipeline & Other
2.5
1%
Other(2)
20.4
11%
Total Non-Retail
77.7
42%
Purchased or Originated Credit-Impaired
Total Gross Loans and Acceptances
0.5
0.3%
183.7
100%
(1) Includes indirect lending and other lending secured by assets other than real estate.
(2) Includes Mining, Transportation, Professional Services, Construction Non-Real Estate, Communication, Government and Education & Health Care.
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