Investor Presentaiton
Financial Review | Strong and Diversified Commercial Loan Portfolio
Commercial Loan Portfolio (1)
A Pan-Canadian Portfolio and a U.S.
17.3
16.7
Commercial Lending ($B)
13.5
3.4
3.6
Inventory financing
1.4
1.5
1.5
1.4
■Equipment financing
2.4
2.5
2.2
■Other commercial loans
3.7
3.9
Real Estate
3.5
Construction & land
3.1
3.7
3.7
(2)
■Multi-residential
(2)
1.9
2.1
2.1
■Other term lending
Q3/21
Q2/22
Q3/22
Credit Quality
17.3
14.1
13.0
12.0
12.7
60
18
20
16
13
2018
2019
2020
2021
Q3/22 YTD
PCL (in bps) (3)
I Commercial loans ($B)(1)
Presence (as at July 31, 2022)
4%
5%
21%
1%
44%
■■British Columbia & Territories
■ Alberta & Prairies
■ Ontario
25%
■ Quebec
Atlantic Provinces
United States
Loan to Value (LTV) on Term Lending and
Multi-residential Mortgage Portfolios
LTV on term loan portfolio: 59%
•
LTV on uninsured multi-residential mortgage portfolio: 56%
(1) Including customers' liabilities under acceptances. (2) Comparative figures have been reclassified to conform to the current quarter presentation. (3) This is a supplementary financial measure. For more information, refer to the Non-GAAP
Financial and Other Measures section beginning on page 5 of the Third Quarter 2022 Report to Shareholders, which pages are incorporated by reference herein..
Seeing
Voir
beyond
numbers."
au-delà
des chiffres."
19View entire presentation