Investor Presentaiton
PCL Ratios
Total PCL as % of average net loans & BAS
Q2/16
Q3/16
Q4/16
Q1/17
Q2/17
Canadian Banking
Retail
0.30
0.30
0.31
0.32
0.34
Commercial
0.14
0.20
0.14
0.21
0.14
Total PCL
0.28
0.29
0.28
0.30
0.31
Net Interest Margin (%) (2)
2.38
2.38
2.39
2.39
2.38
International Banking
Retail (1)
2.09
2.13
2.01
2.10
2.19
Commercial (1)
0.97
0.47
0.33
0.35
0.51
Total PCL
1.50
1.26
1.15
1.21
1.33
Net Interest Margin (%) (2)
4.69
4.79
4.77
4.73
5.00
Global Banking & Markets
Total PCL
0.57
0.19
0.19
0.04
0.01
Net Interest Margin (%)(2)(3)
1.60
1.72
1.78
1.63
1.75
All Bank
Total PCL Ratio
0.59(4)
0.47
0.45
0.45
0.49
Core Banking Margin (%)
2.38
2.38
2.40
2.40
2.54
(1)
(2)
(3)
Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Net Interest Income (TEB) as % of Average Earning Assets excluding Bankers Acceptances
Corporate Banking only
(4)
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64
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