Investor Presentaiton
PCL RATIOS
Stable all-bank PCL ratios on impaired loans
IAS 39
IFRS 9
Q2/17
Q3/17 Q4/17
Q1/18
Q2/18
PCLs on
PCLs on
(As a % of
Total
Total
PCLs on Impaired Loans
Impaired
Impaired
Average Net Loans & Acceptance)
PCLs
PCLs
Loans
Loans
Canadian Banking
Retail
0.34
0.31
0.30
0.29
0.28
0.28
0.28
Commercial
0.14
0.09
0.07
0.11
0.08
0.09
0.09
Total
0.31
0.28
0.27
0.27
0.25
0.25
0.25
Total Excluding Net Acquisition Benefit
0.32
0.29
0.28
N/A
N/A
N/A
N/A
International Banking
Retail
2.19
2.08
2.00
2.28
2.39
2.26
2.16
Commercial
0.51
0.31
0.32
0.28
0.201
0.55
0.341
Total
1.33
1.16
1.14
1.25²
1.261,2
1.382
1.221,2
Total - Excluding Net Acquisition Benefit
1.45
1.27
1.34
N/A
N/A
N/A
N/A
Global Banking and Markets
0.01
0.11
0.04
(0.01)
(0.04)
0.02
(0.05)
All Bank
0.49
0.45
0.42
0.43
0.42
0.46
0.42
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
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