Financial Overview and Sector Exposure slide image

Financial Overview and Sector Exposure

APPENDIX 12 | OIL & GAS AND PIPELINES SECTOR O&G Producers and Services Exposure Gross Loans in $MM and % of Total Loans $3,956 3.7% 55% reduction in outstanding loans Q1 15 O&G and Pipeline sector Total Gross Loans of $4.2B as at January 31, 2022 4% 5% 9% 82% Producers share declined to 37% $1,761 1.0% Q1 22 ■ ☐ O&G producers and services exposure significantly reduced - 55% reduction in outstanding loans: down from $4B in Q1/15 to $1.8B in Q1/22 (stable QoQ) Reduction as a % of total loans: down from 3.7% in Q1/15 to 1.0% in Q1/22 Canadian focused strategy, minimal direct US exposure Overall O&G and Pipeline portfolio refocused from mid-cap to large cap - Producers share declined from 82% in Q1/15 to 37% in Q1/22 53% of the portfolio is Investment Grade (as of Q1/22) Very modest indirect exposure to unsecured retail loans in the oil regions (~0.1% of total loans) 7% 5% IG: 100% IG: 10% ■ IG: 63% 51% IG: 37% 37% Q1 15 Q1 22 ■ Producers ■Midstream ■Services ■Refinery & Integrated 28 28
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