FY22 Financial Overview
Canadian Retail: Loans and Provisions'
1 1 1 1
0 0
MORTGAGES
AUTO LOANS
91 99
39
37
41
39
50
50
89
78
4
35
45
31
(6) (4) (5)
Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22
LINES OF CREDIT³
Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22
CREDIT CARDS6
2016
62
70
33
41
36
48
51
48
48
45
60
57
32
28
(8)
(6) 10
Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22
PCL as a % of avg. net loans (bps)²
Loan Balances Q4/22
Spot ($Bn)4
% Secured
1 Includes Wealth Management
Mortgages
$302
100%
पापा
410
380
322
288
244 267
268
234
321 310
204
241
116
(84) (55) (59)
Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22
PCLs on Impaired Loans as a % of avg. net loans (bps)²
Auto Loans
Lines of Credit³
$41
100%
$34
65%
Credit Cards
$7
2%
Total
$387
95%5
2 Refer to page 133 of the Management's Discussion & Analysis in the Bank's 2022 Annual Report, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation
is incorporated by reference hereto
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 Includes Tangerine balances of $11 billion and other smaller portfolios
5 84% secured by real estate; 11% secured by automotive
6 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps
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