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Average Loans by Segment
Tracks the average loan balances across different segments, offering insight into lending focus and credit risk exposure.The loan mix is shifting: steady mortgage growth continues, but the big story is accelerated expansion in the business & government book and a clear step‑change in credit‑card balances from mid‑2022 — a move that boosts yield potential but raises cyclicality. Loan‑loss reserves have risen too, but not as quickly as outstanding loans, so the bank has margin upside if credit holds; investors should watch delinquencies and reserve builds closely for early signs of stress.
Date | Residential Mortgages | Personal | Credit Card | Business and Government | Allowance for Credit Losses |
|---|---|---|---|---|---|
Jul 31, 2026 | C$290.51B | C$48.58B | C$22.55B | C$254.41B | -C$4.65B |
Apr 30, 2026 | C$289.05B | C$48.10B | C$21.92B | C$246.42B | -C$4.52B |
Jan 31, 2026 | C$287.58B | C$47.66B | C$21.25B | C$240.40B | -C$4.41B |
Oct 31, 2025 | C$287.03B | C$47.87B | C$21.58B | C$237.41B | -C$4.39B |
Jul 31, 2025 | C$285.94B | C$47.26B | C$21.32B | C$231.41B | -C$4.29B |
Apr 30, 2025 | C$283.44B | C$46.86B | C$20.78B | C$224.74B | -C$4.19B |
Jan 31, 2025 | C$282.68B | C$46.48B | C$20.18B | C$222.87B | -C$4.10B |
Oct 31, 2024 | C$280.67B | C$46.68B | C$20.55B | C$214.30B | -C$3.92B |
Jul 31, 2024 | C$277.25B | C$46.39B | C$20.23B | C$210.05B | -C$3.92B |
Apr 30, 2024 | C$274.54B | C$46.01B | C$19.56B | C$201.55B | -C$3.90B |