Financial Overview and Sector Exposure
APPENDIX 9 | TOTAL LOAN PORTFOLIO OVERVIEW
Loan Distribution by Borrower Category
($B)
Retail
Secured - Mortgage & HELOC
Secured Other (1)
Unsecured
Credit Cards
Total Retail
As at
January 31, 2022
% of Total
90.5
48%
11.4
6%
3.7
2%
1.8
1%
107.4
57%
Non-Retail
Real Estate and Construction RE
19.0
10%
Agriculture
7.6
4%
Other Services
6.1
3%
Retail & Wholesale trade
5.7
3%
Manufacturing
5.7
3%
Utilities
5.6
3%
Finance and Insurance
5.1
3%
Oil & Gas and Pipeline
4.2
2%
Oil & Gas
1.8
1%
Pipeline & Other
2.4
1%
Other(2)
22.2
12%
Total Non-Retail
81.2
43%
Purchased or Originated Credit-Impaired
Total Gross Loans and Acceptances
0.4
189.0
0.2%
100%
■ Secured lending accounts for 95%
of Retail loans
☐
Indirect auto loans represent 1.6% of total
loans ($3.1B)
■ Limited exposure to unsecured retail and
cards (3% of total loans)
Non-Retail portfolio is well-diversified
(1) Includes indirect lending and other lending secured by assets other than real estate.
(2) Includes Mining, Transportation, Professional Services, Construction Non-Real Estate, Communication, Government and Education & Health Care.
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