Investor Presentaiton
Financial Review | High Quality Residential Mortgage Loan Portfolio
Insured vs Uninsured
A Pan-Canadian Portfolio (as at July 31, 2022)
35%
56%
34%
33%
56%
■Conventional
Prime insured
56%
■ Alt-A
9%
10%
11%
Q3/21
Q2/22
Q3/22
Credit Quality
4%
10%
8%
■British Columbia
■Alberta & Prairies
38%
■ Ontario
40%
■ Quebec
■Atlantic Provinces
Insured, Uninsured & Loan to Value (LTV) by
Province (2)
17.0
Uninsured LTV(1)
16.0
16.3
15.9
15.8
42%
55%
46%
42%
51%
44%
8
3
2
2
49%
49%
56%
78%
81%
76%
51%
51%
44%
22%
19%
24%
2018
2019
2020
2021
Q3/22 YTD
Residential mortgage loans ($B)
PCL (in bps)
British
Columbia
Alberta &
Prairies
Ontario
Quebec
Atlantic
Provinces
Total
(1) Reflects current estimated value of collateral, including HELOCS.
Seeing
beyond
numbers."
Voir
au-delà
des chiffres."
■% Uninsured ■% Insured
20
20View entire presentation