Investor Presentation
Canadian Retail: Loans and Provisions'
MORTGAGES
4
2
2
1 1 1 1 1 0 0
AUTO LOANS
224
106 91 99
39
37
41
4
0 0
105
89
81
78
35
(5)
0
(6) (4)
Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22
LINES OF CREDIT³
169
79
19
74
65
23
62
70
33
41
48
36
60
57
10
32
(8)
(6)
Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22
PCL as a % of avg. net loans (bps)²
ՎԱ
Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22
1,002
CREDIT CARDS
400
410
322
288
244 267
234
401
312 321 310
204
(84) (55)
(59)
Q3/20 Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22
PCLs on Impaired Loans as a % of avg. net loans (bps)²
Loan Balances Q2/22
Spot ($Bn)
% Secured
Mortgages
$294
100%
1 Includes Wealth Management
Auto Loans
Lines of Credit³
Credit Cards
$40
100%
$6
2%
$33
64%
Total
$3754
95%5
2 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Second Quarter 2022 Report to Shareholders, 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
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