Investor Presentation Q3 2020
PCLs - Impaired and Performing
YEAR-OVER-YEAR HIGHLIGHTS
Higher PCLs driven mainly by higher
performing PCL. Total PCLs1 of $2,181 million
were up 206% Y/Y and up 18% Q/Q
Performing PCLs of $1,253 million versus
a recovery of $63 million last year driven
by COVID-19 and its estimated impact
of credit migration
Impaired PCLs of $928 million up 20%
Y/Y reflecting higher impaired PCL in
Canadian Banking, Global Banking and
Markets and International Banking
PCLs ($MM)
Q3/19 Q4/19 Q1/20² Q2/20 Q3/20
All-Bank
Impaired 776
Performing (63)1 91
744
802
870
928
.
(31)1
9761 1,2531
Total
7131
7531
7711
1,8461 2,1811
Canadian Banking
Impaired
257
255
258
313
317
Performing
(16)1
(8)
(8)
357
435
Total
2411
247
250
670
752
International Banking
О
Impaired
522
477
508
531
573
Performing
(46)1
251
(5)1
4881
705
Total 4761
5021
5031
1,0191 1,278
Global Wealth Management
Impaired (1)
Performing
Total (1)
1
1
11
2
11
Global Banking and Markets
Impaired (2)
12
36
25
38
Performing
(2)
(8)1
(18)
130
1111
Total
(4)
41
18
155
1491
Other (Performing)
1
_1
_1
_1
1
1 Includes provision for credit losses on debt securities and deposit with banks of $nil million in Canadian Banking (Q3/19: -$1 million), $nil million in International Banking (Q3/19: $1 million, Q4/19: -$3
million, Q1/20: -$1 million, Q2/20: $1 million), -$1 million in Global Wealth Management, $1 million in Global Banking and Markets (Q4/19: -$1 million) and $nil million in Other (Q4/19: $1 million, Q1/20: $1
million, Q2/20: -$2 million)
2 Refer to Non-GAAP Measures on slide 45 for adjusted results
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