As at October 31, 2020
Performing
Impaired
Stage 1
Stage 2
Stage 3
Total
Loans – Personal Low risk
$
1,825,017
$
1,549,911 1,900,608
$
- - -
$
3,374,928 2,443,923
Medium risk
543,315
Watchlist or high risk
- -
228,311
228,311
Impaired
-
26,481
26,481
Total
2,368,332
3,678,830
26,481
6,073,643
Allowance for credit losses
(1,338)
(5,360)
(829)
(7,527)
Total, net of allowance for credit losses
2,366,994
3,673,470
25,652
6,066,116
Loans – Business Investment grade or low risk
1,679,587
157,541
- - -
1,837,128
Non-investment grade or medium risk
15,545,571
5,837,525
21,383,096
Watchlist or high risk
- -
643,192
643,192 230,660
Impaired
-
230,660
Total
17,225,158
6,638,258
230,660
24,094,076
Allowance for credit losses
(55,829)
(62,664)
(33,306)
(151,799)
Total, net of allowance for credit losses
17,169,329
6,575,594
197,354
23,942,277
Total loans
19,593,490
10,317,088
257,141
30,167,719
Allowance for credit losses
(57,167)
(68,024)
(34,135)
(159,326)
Total Loans, Net of Allowance for Credit Losses
$
19,536,323
$
10,249,064
$
223,006
$
30,008,393
Committed but Undrawn Credit Exposures and Letters of Credit Investment grade or low risk
$
1,001,324 3,110,428
$
159,135
$
- - - -
$
1,160,459 4,975,866
Non-investment grade or medium risk
1,865,438
Watchlist or high risk
- -
34,498
34,498
Impaired
-
-
Total
4,111,752
2,059,071
-
6,170,823
Allowance for credit losses
(1,682)
(3,405)
-
(5,087)
Total, Net of Allowance for Credit Losses
$
4,110,070
$
2,055,666
$
-
$
6,165,736
82 | CWB Financial Group 2021 Annual Report
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