Investor Presentaiton
STRONG LOAN-TO-DEPOSIT RATIO(1) OF 98%
Loans and BA's (2)
($B)
210.4
215.8
219.4
225.4
230.2
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Q1 23
Q2 23
Q3 23
Q4 23
Q1 24
Deposits (Ex. Wholesale Funding)(3)
($B)
227.8
231.1
233.6
233.2
235.9
144.2
145.5
147.0
145.3
144.8
Total loans of $230B(2), up 9% YoY and 2% QoQ
Personal banking: +2% YoY; flat QoQ
■ Commercial banking: +13% YoY; +4% QoQ
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Corporate banking: +16% YoY; +3% QoQ
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Credigy ($US): +14% YoY; +13% QoQ
■ ABA ($US): +19% YoY; +3% QoQ
Total deposits of $236B (3), up 4% YoY and 1% QoQ
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Personal deposits up 9% YoY and 4% QoQ
Continued growth in term deposits
Demand deposits up $1B QoQ
■ Non-retail deposits relatively stable YoY and QoQ
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Deposits from Cash ETFs of $13.8B in Financial Markets
as at Jan. 31, 2024; up 1.5% QoQ
42.6
45.0
46.9
48.3
50.5
41.0
40.6
39.7
39.6
40.6
Q1 23
Q2 23
Q3 23
■Personal Term
■Personal Demand
Q4 23
Q1 24
Non-retail deposits
(1) As at Jan. 31, 2024. Calculated at quarter end as loans and BAs divided by deposits (excluding wholesale funding). This ratio compares the size of the Bank's loan book
to its deposits (excl. wholesale funding) to analyse the Bank's funding strategy. Represents a non-GAAP ratio. See slide 2.
(2) End-of-period balances.
(3) Total deposits exclude deposits from deposit-taking institutions (Q1/24 $5B, Q4/23 $3B, Q3/23 $3B, Q2/23 $4B and Q1/23 $4B) and wholesale funding (Q1/24 $60B,
Q4/23 $52B, Q3/23 $46B, Q2/23 $46B and Q1/23 $51B).
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