Financial Results slide image

Financial Results

Canadian Personal & Commercial Banking - Balances Average Gross Loans & Acceptances ($B) 304.2 316.2 321.0 Average Deposits ($B) 276.6 • 131.6 125.0 134.8 253.1 283.9 194.8 191.1 6.4 6.5 173.8 6.2 59.1 58.7 58.7 11.6 12.1 10.1 103.7 107.9 109.0 85.5 89.1 79.3 Q4'22 Q3'23 Q4'23 Commercial¹ Credit Cards Consumer Loans² Business Banking Residential Mortgages Average loans up 6% Y/Y and 2% Q/Q Residential Mortgages (including amortizing HELOC) up 7% Y/Y and 2% Q/Q Cards up 20% Y/Y and 5% Q/Q Business Banking up 4% Y/Y and 2% Q/Q Commercial¹ up 5% Y/Y and 1% Q/Q • As at loans up 5% Y/Y and 1% Q/Q • Q4'22 ■Commercial Q3'23 Q4'23 Personal & Business Banking Average deposits up 12% Y/Y and 3% Q/Q • Personal & Business Banking up 12% Y/Y and 2% Q/Q Chequing and Savings down 11% Y/Y and 3% Q/Q Term up 43% Y/Y and 6% Q/Q Commercial up 12% Y/Y and 4% Q/Q • As at deposits up 11% Y/Y and 2% Q/Q 1 Commercial lending excludes commercial and small business cards. Commercial and small business cards balances represented 13% of total credit card portfolio in Q4'23, Q3'23 and Q4'22 2 Consumer loans includes Indirect Auto loans Q4'23 $6.8B, Q3'23 $7.4B, and Q4'22 $8.9B BMOM Financial Results December 1, 2023 34
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