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
Powered by FlippingBook