Investor Presentaiton
Credit Performance Within Expectations
HIGHLIGHTS
YEAR-OVER-YEAR
Increase driven by performing PCLs vs. net releases in
the prior year
Performing PCLs driven by less favourable
macroeconomic forecast and strong portfolio growth
QUARTER-OVER-QUARTER
$35 million in performing PCLs in Q4/22 was driven
by less favourable macroeconomic forecast and
strong portfolio growth
Impaired PCLs remained near historical lows
PCLs ($MM)
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22
All-Bank
Impaired 511
Performing
405
406
389
494
•
(343)
(183)
(187)
23
35
Total
168
222
219
412
529
•
Canadian Banking
Impaired 99
125
131
143
153
Performing
(195)
(160)
(143)
(50)
10
Total (96)
(35)
(12)
93
163
International Banking
Impaired 407
286
278
262
320
Performing
(93)
(12)
(2)
63
35
Total
314
274
276
325
355
Global Wealth Management
Impaired 3
2
1
2
(1)
Performing
(2)
(3)
-
3
2
Total
1
(1)
1
5
1
Global Banking and Markets
Impaired
2
(8)
(4)
(18)
22
Performing
(52)
(8)
(42)
3
(11)
Total
(50)
(16)
(46)
(15)
11
Other
(1)
(1)
15
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