2016 Year-End Financial Results
PCL Ratios
(Total PCL as a % of Average Net
Q4/15
Q1/16
Q2/16
Q3/16
Q4/16
Loans & Acceptances)
Canadian Banking
Retail
0.26
0.28
0.30
0.30
0.31
Commercial
0.15
0.14
0.14
0.20
0.14
Total
0.24
0.26
0.28
0.29
0.28
Total - Excluding net acquisition benefit
0.24
0.28
0.30
0.31
0.29
International Banking
Retail (1)
2.18
2.09
2.09
2.13
2.01
Commercial (1)
0.26
0.28
0.97 0.47 0.33
Total
1.17
1.14
1.50
1.26
1.15
Total - Excluding net acquisition benefit
1.24
1.23
1.63
1.39
1.32
Global Banking and Markets
0.14
0.27
0.57
0.19
0.19
All Bank
0.42 (2)
0.45
0.59 (3)
0.47
0.45
(2)
(3
Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.47
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64
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