Investor Presentaiton
Canadian Retail: Loans and Provisions'
MORTGAGES
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Q1/19 Q2/19 Q3/19 Q4/19 Q1/20
LINES OF CREDIT³
PERSONAL LOANS²
95
91
80
85
84
88
78
81
90
69
Q1/19 Q2/19 Q3/19 Q4/19 Q1/20
CREDIT CARDS
86
96
458
402
81
80
381
385
72
349
415
75
70
73
70
73
379
339
377
241
Q1/19 Q2/19 Q3/19 Q4/19 Q1/20
PCL as a % of avg. net loans (bps)
Loan Balances Q1/20
Spot ($B)
% Secured
Mortgages
$230
100%
Q1/19 Q2/19 Q3/19 Q4/19 Q1/20
PCLs on Impaired Loans as a % of avg. net loans (bps)
Personal Loans² Lines of Credit³
Credit Cards
Total
$41
$34
$8
$3124
99%
61%
3%
93%5
1Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
295% are automotive loans
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 Includes Tangerine balances of $6 billion
5 80% secured by real estate; 13% secured by automotive
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