TECHNOLOGY @ RBC
ACL coverage: Lower-risk residential mortgages a large part of our balance sheet
Allocation of ACL by Product
Q3/2020
Q4/2020
% of Loans & Acceptances
% of Loans & Acceptances
Product
Stage 1
Stage 2
Stage 1 & 2
Stage 3
Total
Stage 1
Stage 2 Stage 1 & 2
Stage 3
Total
Residential mortgages (1)
0.1%
1.1%
0.1%
22.3%
0.16%
0.1%
1.9%
0.1%
23.8%
0.15%
Other Retail
0.8%
12.7%
2.2%
39.2%
2.34%
0.9%
12.5%
2.2%
42.7%
2.34%
Personal
0.5%
9.2%
1.3%
40.3%
1.44%
0.6%
9.1%
1.3%
45.3%
1.42%
Credit cards
2.4%
24.3%
7.1%
7.06%
2.6%
24.6%
7.1%
7.07%
Small business
1.2%
1.7%
1.3%
35.7%
1.92%
1.9%
1.9%
1.9%
36.7%
2.44%
Retail
0.2%
5.8%
0.7%
28.7%
0.72%
0.3%
8.3%
0.6%
29.9%
0.70%
Wholesale (1)
0.6%
3.3%
1.0%
26.1%
1.26%
0.6%
4.1%
1.0%
29.6%
1.33%
Total ACL
0.3%
4.6%
0.8%
26.8%
0.89%
0.4%
5.9%
0.8%
29.7%
0.89%
Allocation of Loans By Product Within Each IFRS 9 Stage
Q3/2020
Q4/2020
% of Loans & Acceptances
% of Loans & Acceptances
Product
Stage 1
Stage 2 Stage 1 & 2
Stage 3
Total ($BN)
Stage 1
Stage 2 Stage 1 & 2 Stage 3
Total ($BN)
Residential mortgages (1)
93.7%
6.0%
99.8%
0.2%
330.1
97.3%
2.5%
99.8%
0.2%
342.3
Other Retail
87.8%
11.9%
99.6%
0.4%
113.5
88.3%
11.4%
99.7%
0.3%
115.3
Personal
90.3%
9.4%
99.7%
0.3%
90.1
91.0%
8.8%
99.8%
0.2%
92.0
Credit cards
78.7%
21.3%
100.0%
0.0%
17.7
79.7%
20.3%
100.0%
0.0%
17.6
Small business
76.2%
22.0%
98.3%
1.7%
5.7
72.2%
26.2%
98.4%
1.6%
5.7
Retail
92.2%
7.5%
99.8%
0.2%
443.6
95.1%
4.7%
99.8%
0.2%
457.7
Wholesale (1)
84.8%
14.0%
98.8%
1.2%
227.6
85.9%
13.0%
99.0%
1.0%
218.7
Total Loans
89.7%
9.7%
99.4%
0.6%
671.2
92.1%
7.4%
99.5%
0.5%
676.4
(1) Items not subject to impairment are loans held at FVTPL: Residential mortgages (Q4/20: $253MM, Q3/20: $256MM); Wholesale (Q4/20: $8.6BN, Q3/20:$8.3BN).
28 RISK REVIEW
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