Trading Results & Economic Outlook
Canadian Retail: Loans and Provisions'
1
1
MORTGAGES
AUTO LOANS
216
224
85
96
4
4
2
2
1
84
94
99 105
106
81
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20
LINES OF CREDIT²
164
169
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20
CREDIT CARDS
1,002
896
72
80
381
385
79
400
70
73
87
74
65
59
379 377
445
401
312
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20
PCL as a % of avg. net loans (bps)
Loan Balances Q4/20
Spot ($B)
% Secured
Mortgages
$245
100%
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion and other smaller portfolios
4 82% secured by real estate; 12% secured by automotive
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20
PCLs on Impaired Loans as a % of avg. net loans (bps)
Auto Loans
Lines of Credit²
Credit Cards
Total
$39
100%
$33
$6
$3253
64%
3%
94%4
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