2016 Year-End Financial Results
Provisions for Credit Losses
($ millions)
Q4/15
Q1/16
Q2/16
Q3/16
Q4/16
Canadian Retail
166
181
190
196
203
Canadian Commercial
14
13
14
21
14
Total Canadian Banking
180
194
204
217
217
Total - Excluding net acquisition benefit
180
212
221
232
221
International Retail
252
252
250
254
251
International Commercial
32
39
130
62
43
Total International Banking
284
291
380
316
294
Total - Excluding net acquisition benefit
301
315
415
343
337
Global Banking and Markets
27
54
118
38
39
All Bank
491
539
702
571
550
All Bank - Excluding net acquisition benefit
508
581
754
613
597
Increase in Collective Allowance
60
0
50
0
0
All Bank
551
539
752
571
550
PCL ratio (bps) - Total PCLs as a % of Average Net Loans & Acceptances
Excluding Collective Allowance
42
45
59
47
45
Including Collective Allowance
47
45
64
47
45
27
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