Financial Performance and Digital Progress Update
Strong Deposit Growth
REPORTED AVERAGE DEPOSITS BY SEGMENTS
in $Bn
682
666
CB IB ■GBM ■GWM
699
685
624
591
538
340
337
344
353
308
294
261
Q4/23 REPORTED AVERAGE DEPOSIT MIX
Notice²-
Business
7%
Term³-
Business
22% Demand-
Personal
2%
$699 Bn
126
126
129
132
107
104
111
Demand'-
Business
30%
Notice²
Personal
21%
156
170
182
182
179
182
134
32
37
39
34
34
33
32
2020
2021
2022
2023
Term-
Personal
18%
in $Bn
CANADIAN BANKING
Q2/23 Q3/23 Q4/23
REPORTED AVERAGE DEPOSITS BY BUSINESS LINE
INTERNATIONAL BANKING4
GLOBAL BANKING AND MARKETS¹
Y/Y
+10%
Y/Y
+17%
320
344
353
129
132
113
116
122
127
87
75
06
204
222
226
38
42
42
Q4/22
Q3/23
Q4/23
Q4/22
Q3/23
Q4/23
Y/Y
+2%
GLOBAL WEALTH MANAGEMENT
Y/Y
(11%)
37
33
32
90
179
179
182
17
16
15
20
17
17
Q4/22
Q3/23
Q4/23
Q4/22
Q3/23
Q4/23
Personal
Non-Personal
IB (Constant Dollar Basis) 5: +9% Y/Y
1 Deposits demand include all deposits for which we do not have the right to notice of withdrawal, generally chequing accounts
2 Deposits payable after notice include all deposits for which we require notice of withdrawal, generally savings accounts
3 All deposits that mature on a specified date, generally term deposits, guaranteed investments certificates and similar instruments
4 Includes deposits from banks
5 See non-GAAP reconciliations beginning on slide 43
29View entire presentation