Financial Performance and Digital Progress Update
Reconciliation for non-GAAP Financial Measures
International Banking: PCLs, Revenues, Loans, Deposits
($MM)
PCLS
Q4/22
Reported Basis
Q3/23
Q4/23
Q4/22
Constant Dollar Basis¹
Q3/23
Pacific Alliance
298
465
455
327
Caribbean and Central America
43
27
36
45
458
27
Q4/23
455
36
Revenue ($Bn)
Q4/22
Q3/23
Q4/23
Q4/22
Q3/23
Q4/23
Latin America
1,929
2,213
2,158
2,146
2,209
2,158
C&CA
546
601
614
544
611
614
Asia
29
32
27
28
31
27
Average International Banking
Q4/22
Q3/23
Q4/23
Q4/22
Q3/23
Q4/23
Loans ($Bn)
Mortgages
44
53
52
48
51
52
Personal Loans
19
20
20
20
20
20
Credit Cards
8
9
9
8
9
9
Business Loans and Acceptances
90
96
94
95
96
94
Average International Banking
Deposits ($Bn)
Q4/22
Q3/23
Q4/23
Q4/22
Q3/23
Q4/23
Personal
38
42
42
41
42
42
Non-Personal
75
87
90
81
87
90
($Bn)
Reported Basis
Constant Dollar Basis¹
Average International Banking Business Loans
Investment Grade
Non-Investment Grade
Q4/22
Q1/23
Q2/22
Q3/23
Q4/23
37
39
40
39
39
Q4/22
39
Q1/23
40
Q2/22
Q3/23
Q4/23
40
39
39
53
56
57
57
56
56
58
57
57
56
1 Refer to non-GAAP measures on page 20 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca
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