Investor Presentaiton
GROSS IMPAIRED LOANS (1) AND FORMATIONS(2)
Gross Impaired Loans (GIL) (SMM)
48
44
44
43
42
$ 780M
$ 674M
$ 684M
$ 677M
$ 627M
$ 462M
$ 322M
$ 384M
$ 387M
$ 374M
$ 269M
$ 254M
$ 261M
$ 264M
$ 274M
$ 36M
Q2 19
$ 36M
$ 36M
$ 39M
Q3 19
Q4 19
Q1 20
USSF&I
Retail
Non-Retail
Net Formations by Business Segment
$ 44M
Q2 20
GIL ratio (bps)
Gross impaired loan ratio increased
5bps to 48bps ($780M) due
primarily to new formations in
Commercial and FM
The Commercial and FM formations
were across a few provinces and
several different sectors
($MM)
Q2 20
Q1 20
Q4 19
Q3 19
Q2 19
Personal
53
48
54
34
36
Commercial
64
(21)
47
31
40
Financial Markets
37
30
(4)
36
Wealth Management
(1)
Credigy
16
17
20
23
27
ABA Bank
6
2
Total GIL Net Formations
177
78
118
125
104
(1)
(2)
Under IFRS 9, impaired loans are all loans classified in stage 3 of the expected credit loss model. Those loans do not take into account purchased or originated credit-impaired loans.
Formations include new accounts, disbursements, principal repayments, and exchange rate fluctuation; net of write-offs.
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