Investor Presentaiton
APPENDIX 7 TOTAL LOAN PORTFOLIO OVERVIEW
Loan Distribution by Borrower Category
ā
Secured lending accounts for 93% of
Retail loans
Indirect auto loans in the retail portfolio
represents 1.7% of total loans ($2.8B)
Limited exposure to unsecured retail
and cards (4% of total loans)
Non-Retail portfolio is well-diversified
across industries
($B)
Retail
- Secured - Mortgage & HELOC
- Secured - Other
- Unsecured
(1)
As at
% of Total
April 30, 2020
-
Credit Cards
Total Retail
77.4
47%
8.8
5%
4.6
3%
1.7
1%
92.5
56%
Non-Retail
- Real Estate and Construction RE
12.7
8%
- Manufacturing
6.6
4%
- Agriculture
6.4
4%
- Retail & Wholesale trade
6.0
4%
- Oil & Gas and Pipeline
5.4
3%
Oil & Gas
2.8
2%
Pipeline & Other
2.6
1%
-
Other Services
5.4
3%
- Finance and Insurance
- Other(2
Total Non-Retail
5.3
3%
22.3
14%
70.1
43%
Purchased or Originated Credit-impaired
Total Gross Loans and Acceptances
1.1
1%
163.7
100%
(1) Includes indirect lending and other lending secured by assets other than real estate.
(2) Includes Mining, Utilities, Transportation, Professional Services, Construction, Communication, Government and Education & Health Care.
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