CWBFG Annual Report 2023

FIGURE 1

FIGURE 2

DIVERSIFYING LOANS BY PROVINCE (%)

DIVERSIFYING LOANS BY LENDING SECTOR (%)

2023

2023

13% General Commercial Loans 5YR CAGR

11% Ontario Loans 5YR CAGR

37

30

28

1

32

8

19

15

2018

2018

21

34

25

19

32

20

18

16

13

13

19

British Columbia Alberta Ontario Remainder

General commercial loans Commercial mortgages

Personal loans and mortgages Equipment financing and leasing Real estate project loans Oil and gas production loans

FIGURE 3

 Gross impaired loans as a % of gross loans Write-offs as a % of average loans (1) Our five-year and ten-year average write-offs as a percentage of average loans (1) are 16 and 17 basis points, respectively.

STRONG CREDIT QUALITY %

0.90

0.60

0.30

0.00

12 13 14 15 16 17

18 19 21

22 22 23

(1) Non-GAAP measure – refer to definitions and detail provided on page 16.

PRE-TAX, PRE-PROVISON INCOME (1) $ MILLIONS

REVENUE $ MILLIONS

DILUTED EPS $/SHARE

1,113

528

3.38

3.50

500

1,000

3.00 2.50 2.00 1.50

400

800

300

600

200

400

1.00

100

200

0.50 0

0

0

19 20 21

22 23

19 20 21

22 23

19 20 21

22 23

(1) Non-GAAP measure – refer to definitions and detail provided on page 16.

CWB Financial Group 2023 Annual Report | 5

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