Fiscal 2018 Financial Performance
PCL RATIOS
Stable all-bank PCL ratios on impaired loans
IAS 39 ¦
IFRS 9
Q4/17
Q1/18
Q2/18
Q3/18
Q4/18
(As a % of
PCLs on PCLs on
PCLs on
PCLs on
Total PCLs on
Total
Total
Total
Average Net Loans &
Acceptance)
Impaired Impaired
Loans Loans
Impaired
Impaired PCLs Impaired
PCLS
PCLs
PCLS
Loans
Loans
(adj) Loans
Canadian Banking
I
Retail 0.30
0.29
0.28
0.28
0.28
0.25
0.24
0.25
0.25
Commercial
0.07
0.11
0.08
0.09
0.09 (0.04)
0.06
0.06
0.15
Total
0.27
0.27
0.25
0.25
0.25
0.21
0.21
0.22
0.23
Total Excluding Credit Mark
0.28
I N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
I
International Banking
Retail
2.00
2.28
2.39
2.26
2.16
2.36
2.254
2.38
2.21
Commercial
0.32
0.28
0.201
0.55
0.341
0.38
0.311,4
0.07
(0.06)
I
Total
1.14
1.25²
1.261,2
1.382
1.221,2 1.33
1.234
1.20
1.05
Total - Excluding Credit Mark
1.34
I
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
Global Banking and Markets
0.04
(0.01)
(0.04)
0.02
(0.05)
(0.06)
(0.05)
(0.07)
(0.09)
All Bank
0.42
0.43
0.42
0.46
0.42
0.41
0.40
0.42
0.39
1 Excludes provision for credit losses on debt securities and deposit with banks
2 Not comparable to prior periods, which were net of acquisition benefits
3 On an reported basis; includes impact of Day 1 PCLs from acquisitions
4 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
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