# CIBC Supplementary Regulatory Capital Disclosure
For the period ended July 31, 2017

For further information, please contact:
Amy South, Senior Vice-President, Investor Relations (416) 594-7386
Jason Patchett, Senior Director, Investor Relations (416) 980-8691

# REGULATORY CAPITAL - TABLE OF CONTENTS

This document is unaudited and should be read in conjunction with our quarterly report to shareholders and news release for Q3/17, and our 2016 annual report (including audited consolidated financial statements and accompanying management's discussion and analysis). Additional financial information is also available through our quarterly investor presentations as well as the quarterly conference call webcast. All relevant information in this document is prepared under International Financial Reporting Standards (IFRS) and all amounts are in millions of Canadian dollars, unless otherwise stated.

## BASEL RELATED SCHEDULES

| | | | |
| :--- | :--- | :--- | :--- |
| Regulatory Capital and Ratios - Basel III (All-in basis) | 1 | Credit Quality of AIRB Exposure - Retail Portfolios | 17 |
| Reconciliation of Capital (All-in basis) to Consolidated Regulatory Balance Sheet | 3 | AIRB Credit Risk Exposure - Loss Experience | 21 |
| Regulatory Capital and Ratios - Basel III (Transitional basis) | 4 | AIRB Credit Risk Exposure - Back-Testing | 22 |
| Changes in Regulatory Capital - Basel III (All-in basis) | 5 | Business and Government AIRB Exposures by Industry Groups | 23 |
| Basel III Leverage Ratio | 6 | Exposure at Default (EAD) under the Standardized Approach | 24 |
| Risk-Weighted Assets (RWA) - Basel III (All-in basis) | 8 | Exposure Covered by Guarantees and Credit Derivatives | 25 |
| Changes in Common Equity Tier 1 (CET1) RWA - Basel III (All-in basis) | 9 | Exposure Securitized as Originator | 25 |
| Credit Exposure (Exposure at default) | 11 | Bank Sponsored Multi-seller Conduits Exposure | 26 |
| Credit Exposure - Geographic Concentration | 12 | Total Securitization Exposures - Internal ratings based (IRB) Approach | 26 |
| Credit Exposure - Maturity Profile | 12 | Securitization Exposures - Risk Weighted Assets and Capital Charges (IRB Approach) | 27 |
| Credit Risk Associated with Derivatives | 14 | Basel - Glossary | 29 |
| Credit Quality of Advanced Internal Ratings-based (AIRB) Exposure - Business and Government Portfolios (Risk Rating Method) | 13 | | |

# RECONCILIATION OF CAPITAL (ALL-IN BASIS) TO CONSOLIDATED REGULATORY BALANCE SHEET $^1$

($ millions)

| Liabilities | Q3/17 Balance sheet as in report to shareholders | Insurance entities adjustment $^2$ Deconsolidation | Equity accounting | Balance sheet as in the regulatory scope of consolidation | Cross reference to capital schedule $^3$ |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Deposits | 439,357 | - | - | 439,357 | |
| Obligations related to securities sold short | 12,582 | - | - | 12,582 | |
| Cash collateral on securities lent | 2,061 | - | - | 2,061 | |
| Obligations related to securities sold under repurchase agreements | 22,553 | - | - | 22,553 | |
| Derivative instruments | 28,151 | - | - | 28,151 | |
| Acceptances | 9,384 | - | - | 9,384 | |
| Deferred tax liabilities | 30 | - | - | 30 | |
| Other liabilities | 13,577 | 247 | (167) | 13,657 | |
| Subordinated indebtedness | 3,195 | - | - | 3,195 | X |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital | | | | | |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital subject to phase out | | | | 1,961 | Y |
| Regulatory capital amortization of maturing subordinated indebtedness not allowed for Tier 2 capital | | | | 1,197 | |
| Subordinated indebtedness excluded from Tier 2 capital due to cap | | | | | |
| Subordinated indebtedness not allowed for Tier 2 capital | | | | | |
| Total liabilities | 530,890 | 247 | (167) | 530,970 | |

| Equity | | | | | |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Preferred shares | 1,796 | - | - | 1,796 | U |
| Preferred shares allowed for inclusion into additional Tier 1 capital | | | | 1,796 | |
| Preferred shares allowed for inclusion into additional Tier 1 capital subject to phase out | | | | | V |
| Preferred shares excluded from additional Tier 1 capital due to cap | | | | | AH |
| Common shares | 12,197 | - | - | 12,197 | |
| Common shares - treasury positions | 14 | - | - | 12,183 | A |
| Common shares | 137 | - | - | 137 | B |
| Contributed surplus | 15,535 | (582) | 582 | 15,535 | C |
| Retained earnings | | | | 62 | |
| Gains and losses due to changes in own credit risk on fair valued liabilities | | | | 15,473 | M |
| Other retained earnings | 167 | (1) | 167 | D | |
| AOCI | | | | 27 | L |
| Cash flow hedges | | | | (8) | AK |
| Net fair value gains (losses) arising from changes in institution's own credit risk | | | | 148 | |
| Other | 190 | - | - | 190 | E |
| Non-controlling interests | | | | 107 | |
| Portion allowed for inclusion into CET1 | | | | 13 | W |
| Portion allowed for inclusion into additional Tier 1 capital | | | | 19 | Z |
| Portion allowed for inclusion into Tier 2 capital | | | | 51 | |
| Portion not allowed for regulatory capital | | | | | |
| Total equity | 30,022 | (581) | 581 | 30,022 | |
| Total liabilities and equity | 560,912 | (334) | 414 | 560,992 | |

# REGULATORY CAPITAL AND RATIOS - BASEL III (TRANSITIONAL BASIS)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Capital ratios** | | | | | | | | | | |
| 29 | Common Equity Tier 1 capital (CET1) | 22,221 | 22,141 | 20,877 | 20,751 | 19,910 | 18,773 | 18,886 | 19,147 | 18,878 |
| 45 | Tier 1 capital (T1 = CET1 + AT1) | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 59 | Total capital (TC = T1 + T2) | 27,598 | 27,402 | 26,125 | 25,949 | 25,154 | 23,861 | 23,964 | 24,538 | 24,273 |
| 60 | Total risk-weighted assets $^{4,5}$ | 200,100 | 179,346 | 171,157 | 173,902 | 170,333 | 168,161 | 168,688 | 163,867 | 161,845 |
| **Capital ratios** | | | | | | | | | | |
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 11.1% | 12.4% | 12.2% | 11.9% | 11.7% | 11.2% | 11.2% | 11.7% | 11.7% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 12.1% | 13.4% | 13.3% | 13.0% | 12.8% | 12.2% | 12.2% | 12.6% | 12.6% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 13.8% | 15.3% | 15.3% | 14.9% | 14.8% | 14.2% | 14.2% | 15.0% | 15.0% |

$^1$ Per OSFI's "Public Capital Disclosure Requirements related to Basel III Pillar 3" advisory.
$^2$ Comprises our insurance subsidiaries: CIBC Reinsurance Company Limited (CIBC Re), and CIBC Life Insurance Company Limited (CIBC Life), which are excluded from the regulatory scope of consolidation. CIBC Re provides Life and Health reinsurance to Canadian insurance and international reinsurance companies. CIBC Re is also an active participant in the North American retrocession market. CIBC Life is primarily involved in direct underwriting of life insurance products and has assumed a closed creditor product block of business from a Canadian underwriter; current policies in-force include accidental death, hospital accident, hospital cash benefit plans, critical accident plan, accident recovery plan, term life, and creditor life and disability insurance products. As at July 31, 2017, CIBC Re had $209 million in assets, $\$(173)$ million in liabilities, and $382 million in equity, and CIBC Life had $125 million in assets, $\$(74)$ million in liabilities, and $199 million in equity.
$^3$ Refer to pages 1 and 2.
$^4$ The minimum total capital requirement is $\$16,008$ million (Q2/17: $\$14,348$ million) and is calculated by multiplying RWA by 8%. It refers to the minimum standard established by the Basel Committee on Banking Supervision (BCBS) before the application of the capital conservation buffer, and any other capital buffers including but not limited to the capital surcharge for global/domestic systemically important banks that may be established by regulators from time to time.
$^5$ Total RWAs on a transitional basis may include a capital floor adjustment.

# CHANGES IN REGULATORY CAPITAL - BASEL III (ALL-IN BASIS $^1$)

($ millions)

| | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Common Equity Tier 1 (CET1) capital** | | | | | | | | | |
| Opening amount | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 | 15,866 |
| Issue of common shares pursuant to the acquisition of The PrivateBank | 3,443 | - | - | - | - | - | - | - | - |
| Other issue of common shares | 37 | 40 | 91 | 48 | 23 | 18 | 20 | 8 | 2 |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Purchase of common shares for cancellation | (560) | (518) | (502) | (488) | (487) | (476) | (466) | (454) | (444) |
| Premium on purchase of common shares for cancellation | 187 | 191 | 170 | 164 | 1,402 | 927 | 1,435 | 936 | 977 | 776 | 973 |
| Gross dividends (deduction) | (1,093) | 1,045 | | | | | | | |
| Shares issued in lieu of cash dividends (add back) | | | | | | | | | |
| Profit for the quarter (attributable to shareholders of the parent company) | | | | | | | | | |
| Removal of own credit spread (net of tax) | (10) | 18 | 40 | (1) | (29) | 37 | (28) | (10) | (4) |
| Movements in other comprehensive income | | | | | | | | | |
| Currency translation differences | (1,057) | 503 | (253) | 223 | 86 | (632) | 402 | 404 | |
| Available-for-sale investments | (42) | 35 | (70) | 9 | 40 | 40 | (22) | (86) | 9 |
| Post-employment defined benefit plans | (19) | 8 | 15 | (3) | 8 | 3 | (7) | 6 | 2 |
| Goodwill and other intangible assets (deduction, net of related tax liabilities) | 203 | (158) | 219 | 55 | (148) | (11) | (286) | 240 | 221 |
| Shortfall of allowance to expected losses | (3,778) | (51) | (2) | (56) | 288 | 85 | (132) | (39) | (236) |
| Other, including regulatory adjustments and transitional arrangements | (205) | 59 | (18) | (27) | (63) | 20 | (92) | (48) | (73) |
| Deferred tax assets that rely on future profitability (excluding those arising from temporary differences) | 47 | (5) | 4 | (14) | 43 | 18 | (55) | (2) | |
| Defined benefit pension fund net assets | (109) | 96 | (131) | (41) | (5) | 14 | 261 | (151) | (134) |
| Significant investments in financial institutions (amount above 10% threshold) | - | - | - | - | - | - | - | - | - |
| Amount exceeding 15% threshold | - | - | - | - | - | - | - | - | - |
| Prudential valuation adjustments | (3) | 7 | 2 | (1) | (5) | (4) | (9) | 6 | (5) |
| Other | 81 | (7) | (22) | 8 | (6) | (15) | 10 | 6 | 7 |
| Closing amount | 20,664 | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 |
| **Additional Tier 1 (AT1) capital** | | | | | | | | | |
| Opening amount | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 | 2,685 |
| AT1 eligible capital issues | 800 | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | - | (251) | - | - | - | (2) | (173) | - | 11 |
| Other, including regulatory adjustments and transitional arrangements | 3,062 | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 |
| Closing amount | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| **Total Tier 1 capital** | | | | | | | | | |
| **Tier 2 capital** | | | | | | | | | |
| Opening amount | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 | 3,933 |
| New Tier 2 eligible capital issues | - | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | (1,500) | - | - |
| Amortization adjustments | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | 74 | 3 | (67) | (32) | 48 | (36) | 23 | 25 | (44) |
| Other, including regulatory adjustments and transitional arrangements | 3,427 | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 |
| Closing amount | 27,153 | 26,977 | 25,710 | 25,083 | 24,311 | 23,083 | 23,153 | 23,434 | 23,173 |
| **Total capital** | | | | | | | | | |

$^1$ All-in is defined by OSFI as capital calculated to include all of the regulatory adjustments that will be required by 2019, but retaining the phase-out rules for non-qualifying capital instruments.

# RECONCILIATION OF CAPITAL (ALL-IN BASIS) TO CONSOLIDATED REGULATORY BALANCE SHEET $^1$ (continued)

($ millions)

| Liabilities | Q3/17 Balance sheet as in report to shareholders | Insurance entities adjustment $^2$ Deconsolidation | Equity accounting | Balance sheet as in the regulatory scope of consolidation | Cross reference to capital schedule $^3$ |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Deposits | 439,357 | - | - | 439,357 | |
| Obligations related to securities sold short | 12,582 | - | - | 12,582 | |
| Cash collateral on securities lent | 2,061 | - | - | 2,061 | |
| Obligations related to securities sold under repurchase agreements | 22,553 | - | - | 22,553 | |
| Derivative instruments | 28,151 | - | - | 28,151 | |
| Acceptances | 9,384 | - | - | 9,384 | |
| Deferred tax liabilities | 30 | - | - | 30 | |
| Other liabilities | 13,577 | 247 | (167) | 13,657 | |
| Subordinated indebtedness | 3,195 | - | - | 3,195 | X |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital | | | | 1,961 | Y |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital subject to phase out | | | | 1,197 | |
| Regulatory capital amortization of maturing subordinated indebtedness not allowed for Tier 2 capital | | | | | |
| Subordinated indebtedness excluded from Tier 2 capital due to cap | | | | | |
| Subordinated indebtedness not allowed for Tier 2 capital | | | | | |
| Total liabilities | 530,890 | 247 | (167) | 530,970 | |

| Equity | | | | | |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Preferred shares | 1,796 | - | - | 1,796 | U |
| Preferred shares allowed for inclusion into additional Tier 1 capital | | | | 1,796 | |
| Preferred shares allowed for inclusion into additional Tier 1 capital subject to phase out | | | | | V |
| Preferred shares excluded from additional Tier 1 capital due to cap | | | | | AH |
| Common shares | 12,197 | - | - | 12,197 | |
| Common shares - treasury positions | 14 | - | - | 12,183 | A |
| Common shares | 137 | - | - | 137 | B |
| Contributed surplus | 15,535 | (582) | 582 | 15,535 | C |
| Retained earnings | | | | 62 | |
| Gains and losses due to changes in own credit risk on fair valued liabilities | | | | 15,473 | M |
| Other retained earnings | 167 | (1) | 167 | D | |
| AOCI | | | | 27 | L |
| Cash flow hedges | | | | (8) | AK |
| Net fair value gains (losses) arising from changes in institution's own credit risk | | | | 148 | |
| Other | 190 | - | - | 190 | E |
| Non-controlling interests | | | | 107 | |
| Portion allowed for inclusion into CET1 | | | | 13 | W |
| Portion allowed for inclusion into additional Tier 1 capital | | | | 19 | Z |
| Portion allowed for inclusion into Tier 2 capital | | | | 51 | |
| Portion not allowed for regulatory capital | | | | | |
| Total equity | 30,022 | (581) | 581 | 30,022 | |
| Total liabilities and equity | 560,912 | (334) | 414 | 560,992 | |

# REGULATORY CAPITAL AND RATIOS - BASEL III (TRANSITIONAL BASIS)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 29 | Common Equity Tier 1 capital (CET1) | 22,221 | 22,141 | 20,877 | 20,751 | 19,910 | 18,773 | 18,886 | 19,147 | 18,878 |
| 45 | Tier 1 capital (T1 = CET1 + AT1) | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 59 | Total capital (TC = T1 + T2) | 27,598 | 27,402 | 26,125 | 25,949 | 25,154 | 23,861 | 23,964 | 24,538 | 24,273 |
| 60 | Total risk-weighted assets $^{4,5}$ | 200,100 | 179,346 | 171,157 | 173,902 | 170,333 | 168,161 | 168,688 | 163,867 | 161,845 |
| **Capital ratios** | | | | | | | | | | |
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 11.1% | 12.4% | 12.2% | 11.9% | 11.7% | 11.2% | 11.2% | 11.7% | 11.7% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 12.1% | 13.4% | 13.3% | 13.0% | 12.8% | 12.2% | 12.2% | 12.6% | 12.6% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 13.8% | 15.3% | 15.3% | 14.9% | 14.8% | 14.2% | 14.2% | 15.0% | 15.0% |

$^1$ Per OSFI's "Public Capital Disclosure Requirements related to Basel III Pillar 3" advisory.
$^2$ Comprises our insurance subsidiaries: CIBC Reinsurance Company Limited (CIBC Re), and CIBC Life Insurance Company Limited (CIBC Life), which are excluded from the regulatory scope of consolidation. CIBC Re provides Life and Health reinsurance to Canadian insurance and international reinsurance companies. CIBC Re is also an active participant in the North American retrocession market. CIBC Life is primarily involved in direct underwriting of life insurance products and has assumed a closed creditor product block of business from a Canadian underwriter; current policies in-force include accidental death, hospital accident, hospital cash benefit plans, critical accident plan, accident recovery plan, term life, and creditor life and disability insurance products. As at July 31, 2017, CIBC Re had $209 million in assets, $\$(173)$ million in liabilities, and $382 million in equity, and CIBC Life had $125 million in assets, $\$(74)$ million in liabilities, and $199 million in equity.
$^3$ Refer to pages 1 and 2.
$^4$ The minimum total capital requirement is $\$16,008$ million (Q2/17: $\$14,348$ million) and is calculated by multiplying RWA by 8%. It refers to the minimum standard established by the Basel Committee on Banking Supervision (BCBS) before the application of the capital conservation buffer, and any other capital buffers including but not limited to the capital surcharge for global/domestic systemically important banks that may be established by regulators from time to time.
$^5$ Total RWAs on a transitional basis may include a capital floor adjustment.

# RECONCILIATION OF CAPITAL (ALL-IN BASIS) TO CONSOLIDATED REGULATORY BALANCE SHEET $^1$ (continued)

($ millions)

| Liabilities | Q3/17 Balance sheet as in report to shareholders | Insurance entities adjustment $^2$ Deconsolidation | Equity accounting | Balance sheet as in the regulatory scope of consolidation | Cross reference to capital schedule $^3$ |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Deposits | 439,357 | - | - | 439,357 | |
| Obligations related to securities sold short | 12,582 | - | - | 12,582 | |
| Cash collateral on securities lent | 2,061 | - | - | 2,061 | |
| Obligations related to securities sold under repurchase agreements | 22,553 | - | - | 22,553 | |
| Derivative instruments | 28,151 | - | - | 28,151 | |
| Acceptances | 9,384 | - | - | 9,384 | |
| Deferred tax liabilities | 30 | - | - | 30 | |
| Other liabilities | 13,577 | 247 | (167) | 13,657 | |
| Subordinated indebtedness | 3,195 | - | - | 3,195 | X |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital | | | | 1,961 | Y |
| Subordinated indebtedness allowed for inclusion in Tier 2 capital subject to phase out | | | | 1,197 | |
| Regulatory capital amortization of maturing subordinated indebtedness not allowed for Tier 2 capital | | | | | |
| Subordinated indebtedness excluded from Tier 2 capital due to cap | | | | | |
| Subordinated indebtedness not allowed for Tier 2 capital | | | | | |
| Total liabilities | 530,890 | 247 | (167) | 530,970 | |

| Equity | | | | | |
| :--- | :--- | :--- | :--- | :--- | :--- |
| Preferred shares | 1,796 | - | - | 1,796 | U |
| Preferred shares allowed for inclusion into additional Tier 1 capital | | | | 1,796 | |
| Preferred shares allowed for inclusion into additional Tier 1 capital subject to phase out | | | | | V |
| Preferred shares excluded from additional Tier 1 capital due to cap | | | | | AH |
| Common shares | 12,197 | - | - | 12,197 | |
| Common shares - treasury positions | 14 | - | - | 12,183 | A |
| Common shares | 137 | - | - | 137 | B |
| Contributed surplus | 15,535 | (582) | 582 | 15,535 | C |
| Retained earnings | | | | 62 | |
| Gains and losses due to changes in own credit risk on fair valued liabilities | | | | 15,473 | M |
| Other retained earnings | 167 | (1) | 167 | D | |
| AOCI | | | | 27 | L |
| Cash flow hedges | | | | (8) | AK |
| Net fair value gains (losses) arising from changes in institution's own credit risk | | | | 148 | |
| Other | 190 | - | - | 190 | E |
| Non-controlling interests | | | | 107 | |
| Portion allowed for inclusion into CET1 | | | | 13 | W |
| Portion allowed for inclusion into additional Tier 1 capital | | | | 19 | Z |
| Portion allowed for inclusion into Tier 2 capital | | | | 51 | |
| Portion not allowed for regulatory capital | | | | | |
| Total equity | 30,022 | (581) | 581 | 30,022 | |
| Total liabilities and equity | 560,912 | (334) | 414 | 560,992 | |

# REGULATORY CAPITAL AND RATIOS - BASEL III (TRANSITIONAL BASIS)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 29 | Common Equity Tier 1 capital (CET1) | 22,221 | 22,141 | 20,877 | 20,751 | 19,910 | 18,773 | 18,886 | 19,147 | 18,878 |
| 45 | Tier 1 capital (T1 = CET1 + AT1) | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 59 | Total capital (TC = T1 + T2) | 27,598 | 27,402 | 26,125 | 25,949 | 25,154 | 23,861 | 23,964 | 24,538 | 24,273 |
| 60 | Total risk-weighted assets $^{4,5}$ | 200,100 | 179,346 | 171,157 | 173,902 | 170,333 | 168,161 | 168,688 | 163,867 | 161,845 |
| **Capital ratios** | | | | | | | | | | |
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 11.1% | 12.4% | 12.2% | 11.9% | 11.7% | 11.2% | 11.2% | 11.7% | 11.7% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 12.1% | 13.4% | 13.3% | 13.0% | 12.8% | 12.2% | 12.2% | 12.6% | 12.6% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 13.8% | 15.3% | 15.3% | 14.9% | 14.8% | 14.2% | 14.2% | 15.0% | 15.0% |

$^1$ Per OSFI's "Public Capital Disclosure Requirements related to Basel III Pillar 3" advisory.
$^2$ Comprises our insurance subsidiaries: CIBC Reinsurance Company Limited (CIBC Re), and CIBC Life Insurance Company Limited (CIBC Life), which are excluded from the regulatory scope of consolidation. CIBC Re provides Life and Health reinsurance to Canadian insurance and international reinsurance companies. CIBC Re is also an active participant in the North American retrocession market. CIBC Life is primarily involved in direct underwriting of life insurance products and has assumed a closed creditor product block of business from a Canadian underwriter; current policies in-force include accidental death, hospital accident, hospital cash benefit plans, critical accident plan, accident recovery plan, term life, and creditor life and disability insurance products. As at July 31, 2017, CIBC Re had $209 million in assets, $\$(173)$ million in liabilities, and $382 million in equity, and CIBC Life had $125 million in assets, $\$(74)$ million in liabilities, and $199 million in equity.
$^3$ Refer to pages 1 and 2.
$^4$ The minimum total capital requirement is $\$16,008$ million (Q2/17: $\$14,348$ million) and is calculated by multiplying RWA by 8%. It refers to the minimum standard established by the Basel Committee on Banking Supervision (BCBS) before the application of the capital conservation buffer, and any other capital buffers including but not limited to the capital surcharge for global/domestic systemically important banks that may be established by regulators from time to time.
$^5$ Total RWAs on a transitional basis may include a capital floor adjustment.

# CHANGES IN REGULATORY CAPITAL - BASEL III (ALL-IN BASIS $^1$)

($ millions)

| | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Common Equity Tier 1 (CET1) capital** | | | | | | | | | |
| Opening amount | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 | 15,866 |
| Issue of common shares pursuant to the acquisition of The PrivateBank | 3,443 | - | - | - | - | - | - | - | - |
| Other issue of common shares | 37 | 40 | 91 | 48 | 23 | 18 | 20 | 8 | 2 |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Purchase of common shares for cancellation | (560) | (518) | (502) | (488) | (487) | (476) | (466) | (454) | (444) |
| Premium on purchase of common shares for cancellation | 187 | 191 | 170 | 164 | 1,402 | 927 | 1,435 | 936 | 977 | 776 | 973 |
| Gross dividends (deduction) | (1,093) | 1,045 | | | | | | | |
| Shares issued in lieu of cash dividends (add back) | | | | | | | | | |
| Profit for the quarter (attributable to shareholders of the parent company) | | | | | | | | | |
| Removal of own credit spread (net of tax) | (10) | 18 | 40 | (1) | (29) | 37 | (28) | (10) | (4) |
| Movements in other comprehensive income | | | | | | | | | |
| Currency translation differences | (1,057) | 503 | (253) | 223 | 86 | (632) | 402 | 404 | |
| Available-for-sale investments | (42) | 35 | (70) | 9 | 40 | 40 | (22) | (86) | 9 |
| Post-employment defined benefit plans | (19) | 8 | 15 | (3) | 8 | 3 | (7) | 6 | 2 |
| Goodwill and other intangible assets (deduction, net of related tax liabilities) | 203 | (158) | 219 | 55 | (148) | (11) | (286) | 240 | 221 |
| Shortfall of allowance to expected losses | (3,778) | (51) | (2) | (56) | 288 | 85 | (132) | (39) | (236) |
| Other, including regulatory adjustments and transitional arrangements | (205) | 59 | (18) | (27) | (63) | 20 | (92) | (48) | (73) |
| Deferred tax assets that rely on future profitability (excluding those arising from temporary differences) | 47 | (5) | 4 | (14) | 43 | 18 | (55) | (2) | |
| Defined benefit pension fund net assets | (109) | 96 | (131) | (41) | (5) | 14 | 261 | (151) | (134) |
| Significant investments in financial institutions (amount above 10% threshold) | - | - | - | - | - | - | - | - | - |
| Amount exceeding 15% threshold | - | - | - | - | - | - | - | - | - |
| Prudential valuation adjustments | (3) | 7 | 2 | (1) | (5) | (4) | (9) | 6 | (5) |
| Other | 81 | (7) | (22) | 8 | (6) | (15) | 10 | 6 | 7 |
| Closing amount | 20,664 | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 |
| **Additional Tier 1 (AT1) capital** | | | | | | | | | |
| Opening amount | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 | 2,685 |
| AT1 eligible capital issues | 800 | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | - | (251) | - | - | - | (2) | (173) | - | 11 |
| Other, including regulatory adjustments and transitional arrangements | 3,062 | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 |
| Closing amount | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| **Total Tier 1 capital** | | | | | | | | | |
| **Tier 2 capital** | | | | | | | | | |
| Opening amount | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 | 3,933 |
| New Tier 2 eligible capital issues | - | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | (1,500) | - | - |
| Amortization adjustments | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | 74 | 3 | (67) | (32) | 48 | (36) | 23 | 25 | (44) |
| Other, including regulatory adjustments and transitional arrangements | 3,427 | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 |
| Closing amount | 27,153 | 26,977 | 25,710 | 25,083 | 24,311 | 23,083 | 23,153 | 23,434 | 23,173 |
| **Total capital** | | | | | | | | | |

$^1$ All-in is defined by OSFI as capital calculated to include all of the regulatory adjustments that will be required by 2019, but retaining the phase-out rules for non-qualifying capital instruments.

# BASEL III LEVERAGE RATIO

($ millions)

| Row | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **On-balance sheet exposures** | | | | | | | | | |
| 1 | On-balance sheet items (excluding derivatives, securities financing transactions (SFTs) and grandfathered securitization exposures, but including collateral) | 486,823 | 456,527 | 442,244 | 437,179 | 426,904 | 411,069 | 409,667 | 401,111 | 394,020 |
| 2 | Asset amounts deducted in determining Basel III transitional Tier 1 capital | (6,995) | (3,044) | (3,127) | (2,677) | (2,581) | (2,851) | (2,971) | (2,592) | (2,483) |
| 3 | Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) | 479,828 | 453,483 | 439,117 | 434,502 | 424,323 | 408,218 | 406,696 | 398,519 | 391,537 |
| **Derivative exposures** | | | | | | | | | |
| 4 | Replacement cost associated with all derivative transactions (i.e. net of eligible cash variation margin) | 5,066 | 6,452 | 4,981 | 6,418 | 7,065 | 6,634 | 7,923 | 6,225 | 7,677 |
| 5 | Add-on amounts for potential future exposure (PFE) associated with all derivative transactions | 15,638 | 16,567 | 14,549 | 14,406 | 14,668 | 13,964 | 13,930 | 13,260 | 12,187 |
| 6 | Gross up for derivatives collateral provided where deducted from the balance sheet assets pursuant to the operative accounting framework | - | - | - | - | - | - | - | - | - |
| 7 | (Deductions of receivables assets for cash variation margin provided in derivative transactions) | (4,585) | (4,990) | (5,408) | (5,667) | (5,450) | (5,280) | (6,267) | (4,980) | (4,664) |
| 8 | (Exempted central counterparty (CCP)-leg of client cleared trade exposures) | - | - | - | - | - | - | - | - | - |
| 9 | Adjusted effective notional amount of written credit derivatives | 125 | - | 216 | 356 | 239 | 397 | 991 | 511 |
| 10 | (Adjusted effective notional offsets and add-on deductions for written credit derivatives) | - | - | (22) | (154) | (25) | (169) | (764) | (295) |
| 11 | Total derivatives exposures (sum of lines 4 to 10) | 16,244 | 18,029 | 14,122 | 15,351 | 16,485 | 15,532 | 15,277 | 14,732 | 15,416 |
| **Securities financing transaction exposures** | | | | | | | | | |
| 12 | Gross SFT assets recognized for accounting purposes (with no recognition of netting), after adjusting for sale accounting transactions | 45,072 | 43,842 | 44,556 | 33,810 | 36,460 | 35,722 | 34,811 | 33,334 | 31,350 |
| 13 | (Netted amounts of cash payables and cash receivables of gross SFT assets) | - | - | - | - | - | - | - | - | - |
| 14 | Counterparty credit risk (CCR) exposure for SFTs | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 15 | Agent transaction exposures | - | - | - | - | - | - | - | - | - |
| 16 | Total securities financing transaction exposures (sum of lines 12 to 15) | 47,061 | 45,855 | 46,238 | 35,582 | 37,595 | 36,582 | 35,816 | 34,501 | 32,450 |
| **Other off-balance sheet exposures** | | | | | | | | | |
| 17 | Off-balance sheet exposure at gross notional amount | 231,083 | 218,975 | 211,165 | 212,888 | 208,903 | 203,249 | 204,266 | 198,437 | 194,778 |
| 18 | (Adjustments for conversion to credit equivalent amounts) | (171,486) | (163,901) | (154,456) | (152,187) | (149,527) | (146,151) | (145,416) | (142,685) | (139,884) |
| 19 | Off-balance sheet items (sum of lines 17 and 18) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| **Capital and total exposures - Transitional basis** | | | | | | | | | |
| 20 | Tier 1 capital | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 21 | Total exposures (sum of lines 3, 11, 16 and 19) | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |
| **Leverage ratios - Transitional basis** | | | | | | | | | |
| 22 | Basel III leverage ratio | 4.0% | 4.2% | 4.1% | 4.1% | 4.0% | 4.0% | 4.0% | 4.1% | 4.1% |
| **All-in basis (required by OSFI)** | | | | | | | | | |
| 23 | Tier 1 capital - All-in basis | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| 24 | (Regulatory adjustments) | (7,411) | (3,381) | (3,483) | (3,333) | (3,188) | (3,443) | (3,573) | (3,544) | (3,305) |
| 25 | Total exposures (sum of lines 21 and 24, less the amount reported in line 2) – All-in basis | 602,314 | 556,186 | 545,480 | 537,172 | 516,838 | 516,037 | 502,552 | 493,475 |
| 26 | Leverage ratio - All-in basis | 3.9% | 4.1% | 4.0% | 4.0% | 3.9% | 3.8% | 3.8% | 3.9% | 3.9% |

# SUMMARY COMPARISON OF ACCOUNTING ASSETS VS. LEVERAGE RATIO EXPOSURE MEASURE (TRANSITIONAL BASIS)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 1 | Total consolidated assets as per published financial statements | 560,912 | 528,591 | 513,294 | 501,357 | 494,490 | 478,144 | 479,032 | 463,309 | 457,842 |
| 2 | Adjustment for investments in banking, financial, insurance or commercial entities that are consolidated for accounting purposes but outside the scope of regulatory consolidation | 80 | 120 | 136 | 129 | 165 | 130 | 132 | 228 | 252 |
| 3 | Adjustment for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure | - | - | - | - | - | - | - | - | - |
| 4 | Adjustment for derivative financial instruments | (10,126) | (7,583) | (9,775) | (12,412) | (12,067) | (13,209) | (16,662) | (11,609) | (14,614) |
| 5 | Adjustment for securities financing transactions (i.e. repos and similar secured lending) | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 6 | Adjustment for off-balance sheet items (i.e. credit equivalent amounts of off-balance sheet exposures) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| 7 | Other adjustments | (9,722) | (5,774) | (5,860) | (5,411) | (5,320) | (5,593) | (5,718) | (5,343) | (5,177) |
| 8 | Leverage ratio exposure | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |

$^1$ Per OSFI's "Public Disclosure Requirements related to Basel III Leverage Ratio".

# RECONCILIATION OF CAPITAL (ALL-IN BASIS) TO CONSOLIDATED REGULATORY BALANCE SHEET $^1$ (continued)

($ millions)

| Assets | Q3/17 Balance sheet as in report to shareholders | Insurance entities adjustment $^2$ Deconsolidation | Equity accounting | Balance sheet as in the regulatory scope of consolidation | Cross reference to capital schedule $^3$ | Of which capital |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| Cash and non-interest-bearing deposits with banks | 4,207 | - | - | 4,207 | | |
| Interest-bearing deposits with banks | 15,710 | - | - | 15,710 | | |
| Securities | 88,380 | (234) | - | 88,146 | AF | |
| Significant investments in capital of other financial institutions not exceeding regulatory thresholds | | | | 72 | AG | |
| Non-significant investments in capital of other financial institutions not exceeding regulatory thresholds | | | | 88,074 | | |
| Significant investments in capital of non-financial institutions | | | | | | |
| Other securities | | | | | | |
| Cash collateral on securities borrowed | 5,866 | - | - | 5,866 | | |
| Securities purchased under resale agreements | 39,206 | - | - | 39,206 | | |
| Loans | 351,208 | - | - | 351,208 | | |
| Allowance for credit losses | (1,598) | - | - | (1,598) | | |
| Collective allowance reflected in Tier 2 capital | | | | (250) | AA | |
| Excess in allowance over expected losses reflected in Tier 2 capital | | | | (1,348) | AB | |
| Allowances not reflected in regulatory capital | | | | | | |
| Derivative instruments | 26,370 | - | - | 26,370 | | |
| Customers' liability under acceptances | 9,383 | - | - | 9,383 | | |
| Land, buildings and equipment | 1,762 | - | - | 1,762 | | |
| Goodwill | 5,101 | - | - | 5,101 | F | |
| Software and other intangible assets | 1,822 | - | - | 1,822 | | |
| Investments in equity-accounted associates and joint ventures | 740 | 414 | - | 1,154 | | |
| Significant investments in capital of other financial institutions exceeding regulatory thresholds (10% of CET1) | | | | 396 | P | |
| Significant investments in capital of other financial institutions exceeding regulatory thresholds (15% basket of CET1) | | | | 9 | R | |
| Significant investments in capital of other financial institutions not exceeding regulatory thresholds | | | | 5 | AD | |
| Significant investments in capital of other financial institutions related to goodwill | | | | 121 | G | |
| Significant investments in capital of other financial institutions related to intangibles | | | | | AL | |
| Significant investments in capital of non-financial institutions | | | | Q | |
| Investment in deconsolidated subsidiaries exceeding regulatory thresholds (10% of CET1) | | | | S | |
| Investment in deconsolidated subsidiaries exceeding regulatory thresholds (15% basket of CET1) | | | | 414 | AE | |
| Investment in deconsolidated subsidiaries not exceeding regulatory thresholds | | | | 200 | AJ | |
| Non-significant investments in capital of other financial institutions not exceeding regulatory thresholds | | | | 9 | | |
| Non significant investments in capital of non-financial institutions | | | | | | |
| Deferred tax assets | 712 | - | - | 712 | | |
| Deferred tax assets excluding those arising from temporary differences | | | | 24 | K | |
| Deferred tax assets arising from temporary differences exceeding regulatory thresholds (15% basket of CET1) | | | | 1,157 | T | |
| Deferred tax assets arising from temporary differences not exceeding regulatory thresholds | | | | (91) | AC | |
| Deferred tax liabilities related to goodwill | | | | (296) | H | |
| Deferred tax liabilities related to software and other intangible assets | | | | (82) | J | |
| Deferred tax liabilities related to defined benefit pension fund net assets | | | | | O | |
| Other assets | 382 | (100) | - | 382 | N | |
| Defined benefit pension fund net assets | 11,661 | - | - | 11,561 | 5 | AI | |
| Other | | | | | | |
| Non-significant investments in capital of other financial institutions not exceeding regulatory thresholds | | | | | | |
| Other | | | | | | |
| Total assets | 560,912 | (334) | 414 | 560,992 | | |

For footnotes, see next page.

# REGULATORY CAPITAL AND RATIOS - BASEL III (ALL-IN BASIS $^1$)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 29 | Common Equity Tier 1 capital (CET1) | 22,221 | 22,141 | 20,877 | 20,751 | 19,910 | 18,773 | 18,886 | 19,147 | 18,878 |
| 45 | Tier 1 capital (T1 = CET1 + AT1) | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 59 | Total capital (TC = T1 + T2) | 27,598 | 27,402 | 26,125 | 25,949 | 25,154 | 23,861 | 23,964 | 24,538 | 24,273 |
| 60 | Total risk-weighted assets $^4,5$ | 200,100 | 179,346 | 171,157 | 173,902 | 170,333 | 168,161 | 168,688 | 163,867 | 161,845 |
| **Capital ratios** | | | | | | | | | | |
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 11.1% | 12.4% | 12.2% | 11.9% | 11.7% | 11.2% | 11.2% | 11.7% | 11.7% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 12.1% | 13.4% | 13.3% | 13.0% | 12.8% | 12.2% | 12.2% | 12.6% | 12.6% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 13.8% | 15.3% | 15.3% | 14.9% | 14.8% | 14.2% | 14.2% | 15.0% | 15.0% |

$^1$ Per OSFI's "Public Capital Disclosure Requirements related to Basel III Pillar 3" advisory.
$^2$ Comprises our insurance subsidiaries: CIBC Reinsurance Company Limited (CIBC Re), and CIBC Life Insurance Company Limited (CIBC Life), which are excluded from the regulatory scope of consolidation. CIBC Re provides Life and Health reinsurance to Canadian insurance and international reinsurance companies. CIBC Re is also an active participant in the North American retrocession market. CIBC Life is primarily involved in direct underwriting of life insurance products and has assumed a closed creditor product block of business from a Canadian underwriter; current policies in-force include accidental death, hospital accident, hospital cash benefit plans, critical accident plan, accident recovery plan, term life, and creditor life and disability insurance products. As at July 31, 2017, CIBC Re had $209 million in assets, $\$(173)$ million in liabilities, and $382 million in equity, and CIBC Life had $125 million in assets, $\$(74)$ million in liabilities, and $199 million in equity.
$^3$ Refer to pages 1 and 2.
$^4$ The minimum total capital requirement is $\$16,008$ million (Q2/17: $\$14,348$ million) and is calculated by multiplying RWA by 8%. It refers to the minimum standard established by the Basel Committee on Banking Supervision (BCBS) before the application of the capital conservation buffer, and any other capital buffers including but not limited to the capital surcharge for global/domestic systemically important banks that may be established by regulators from time to time.
$^5$ Total RWAs on a transitional basis may include a capital floor adjustment.

# CHANGES IN REGULATORY CAPITAL - BASEL III (ALL-IN BASIS $^1$) (continued)

($ millions)

| Equity | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Common Equity Tier 1 (CET1) capital** | | | | | | | | | |
| Opening amount | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 | 15,866 |
| Issue of common shares pursuant to the acquisition of The PrivateBank | 3,443 | - | - | - | - | - | - | - | - |
| Other issue of common shares | 37 | 40 | 91 | 48 | 23 | 18 | 20 | 8 | 2 |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Purchase of common shares for cancellation | (560) | (518) | (502) | (488) | (487) | (476) | (466) | (454) | (444) |
| Premium on purchase of common shares for cancellation | 187 | 191 | 170 | 164 | 1,402 | 927 | 1,435 | 936 | 977 | 776 | 973 |
| Gross dividends (deduction) | (1,093) | 1,045 | | | | | | | |
| Shares issued in lieu of cash dividends (add back) | | | | | | | | | |
| Profit for the quarter (attributable to shareholders of the parent company) | | | | | | | | | |
| Removal of own credit spread (net of tax) | (10) | 18 | 40 | (1) | (29) | 37 | (28) | (10) | (4) |
| Movements in other comprehensive income | | | | | | | | | |
| Currency translation differences | (1,057) | 503 | (253) | 223 | 86 | (632) | 402 | 404 | |
| Available-for-sale investments | (42) | 35 | (70) | 9 | 40 | 40 | (22) | (86) | 9 |
| Post-employment defined benefit plans | (19) | 8 | 15 | (3) | 8 | 3 | (7) | 6 | 2 |
| Goodwill and other intangible assets (deduction, net of related tax liabilities) | 203 | (158) | 219 | 55 | (148) | (11) | (286) | 240 | 221 |
| Shortfall of allowance to expected losses | (3,778) | (51) | (2) | (56) | 288 | 85 | (132) | (39) | (236) |
| Other, including regulatory adjustments and transitional arrangements | (205) | 59 | (18) | (27) | (63) | 20 | (92) | (48) | (73) |
| Deferred tax assets that rely on future profitability (excluding those arising from temporary differences) | 47 | (5) | 4 | (14) | 43 | 18 | (55) | (2) | |
| Defined benefit pension fund net assets | (109) | 96 | (131) | (41) | (5) | 14 | 261 | (151) | (134) |
| Significant investments in financial institutions (amount above 10% threshold) | - | - | - | - | - | - | - | - | - |
| Amount exceeding 15% threshold | - | - | - | - | - | - | - | - | - |
| Prudential valuation adjustments | (3) | 7 | 2 | (1) | (5) | (4) | (9) | 6 | (5) |
| Other | 81 | (7) | (22) | 8 | (6) | (15) | 10 | 6 | 7 |
| Closing amount | 20,664 | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 |
| **Additional Tier 1 (AT1) capital** | | | | | | | | | |
| Opening amount | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 | 2,685 |
| AT1 eligible capital issues | 800 | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | - | (251) | - | - | - | (2) | (173) | - | 11 |
| Other, including regulatory adjustments and transitional arrangements | 3,062 | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 |
| Closing amount | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| **Total Tier 1 capital** | | | | | | | | | |
| **Tier 2 capital** | | | | | | | | | |
| Opening amount | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 | 3,933 |
| New Tier 2 eligible capital issues | - | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | (1,500) | - | - |
| Amortization adjustments | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | 74 | 3 | (67) | (32) | 48 | (36) | 23 | 25 | (44) |
| Other, including regulatory adjustments and transitional arrangements | 3,427 | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 |
| Closing amount | 27,153 | 26,977 | 25,710 | 25,083 | 24,311 | 23,083 | 23,153 | 23,434 | 23,173 |
| **Total capital** | | | | | | | | | |

$^1$ All-in is defined by OSFI as capital calculated to include all of the regulatory adjustments that will be required by 2019, but retaining the phase-out rules for non-qualifying capital instruments.

# REGULATORY CAPITAL AND RATIOS - BASEL III (TRANSITIONAL BASIS)

| Row | ($ millions) | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 29 | Common Equity Tier 1 capital (CET1) | 22,221 | 22,141 | 20,877 | 20,751 | 19,910 | 18,773 | 18,886 | 19,147 | 18,878 |
| 45 | Tier 1 capital (T1 = CET1 + AT1) | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 59 | Total capital (TC = T1 + T2) | 27,598 | 27,402 | 26,125 | 25,949 | 25,154 | 23,861 | 23,964 | 24,538 | 24,273 |
| 60 | Total risk-weighted assets $^{4,5}$ | 200,100 | 179,346 | 171,157 | 173,902 | 170,333 | 168,161 | 168,688 | 163,867 | 161,845 |
| **Capital ratios** | | | | | | | | | | |
| 61 | Common Equity Tier 1 (as a percentage of risk-weighted assets) | 11.1% | 12.4% | 12.2% | 11.9% | 11.7% | 11.2% | 11.2% | 11.7% | 11.7% |
| 62 | Tier 1 (as a percentage of risk-weighted assets) | 12.1% | 13.4% | 13.3% | 13.0% | 12.8% | 12.2% | 12.2% | 12.6% | 12.6% |
| 63 | Total capital (as a percentage of risk-weighted assets) | 13.8% | 15.3% | 15.3% | 14.9% | 14.8% | 14.2% | 14.2% | 15.0% | 15.0% |

$^1$ Per OSFI's "Public Capital Disclosure Requirements related to Basel III Pillar 3" advisory.
$^2$ Comprises our insurance subsidiaries: CIBC Reinsurance Company Limited (CIBC Re), and CIBC Life Insurance Company Limited (CIBC Life), which are excluded from the regulatory scope of consolidation. CIBC Re provides Life and Health reinsurance to Canadian insurance and international reinsurance companies. CIBC Re is also an active participant in the North American retrocession market. CIBC Life is primarily involved in direct underwriting of life insurance products and has assumed a closed creditor product block of business from a Canadian underwriter; current policies in-force include accidental death, hospital accident, hospital cash benefit plans, critical accident plan, accident recovery plan, term life, and creditor life and disability insurance products. As at July 31, 2017, CIBC Re had $209 million in assets, $\$(173)$ million in liabilities, and $382 million in equity, and CIBC Life had $125 million in assets, $\$(74)$ million in liabilities, and $199 million in equity.
$^3$ Refer to pages 1 and 2.
$^4$ The minimum total capital requirement is $\$16,008$ million (Q2/17: $\$14,348$ million) and is calculated by multiplying RWA by 8%. It refers to the minimum standard established by the Basel Committee on Banking Supervision (BCBS) before the application of the capital conservation buffer, and any other capital buffers including but not limited to the capital surcharge for global/domestic systemically important banks that may be established by regulators from time to time.
$^5$ Total RWAs on a transitional basis may include a capital floor adjustment.

# CHANGES IN REGULATORY CAPITAL - BASEL III (ALL-IN BASIS $^1$) (continued)

($ millions)

| Equity | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Common Equity Tier 1 (CET1) capital** | | | | | | | | | |
| Opening amount | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 | 15,866 |
| Issue of common shares pursuant to the acquisition of The PrivateBank | 3,443 | - | - | - | - | - | - | - | - |
| Other issue of common shares | 37 | 40 | 91 | 48 | 23 | 18 | 20 | 8 | 2 |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Purchase of common shares for cancellation | (560) | (518) | (502) | (488) | (487) | (476) | (466) | (454) | (444) |
| Premium on purchase of common shares for cancellation | 187 | 191 | 170 | 164 | 1,402 | 927 | 1,435 | 936 | 977 | 776 | 973 |
| Gross dividends (deduction) | (1,093) | 1,045 | | | | | | | |
| Shares issued in lieu of cash dividends (add back) | | | | | | | | | |
| Profit for the quarter (attributable to shareholders of the parent company) | | | | | | | | | |
| Removal of own credit spread (net of tax) | (10) | 18 | 40 | (1) | (29) | 37 | (28) | (10) | (4) |
| Movements in other comprehensive income | | | | | | | | | |
| Currency translation differences | (1,057) | 503 | (253) | 223 | 86 | (632) | 402 | 404 | |
| Available-for-sale investments | (42) | 35 | (70) | 9 | 40 | 40 | (22) | (86) | 9 |
| Post-employment defined benefit plans | (19) | 8 | 15 | (3) | 8 | 3 | (7) | 6 | 2 |
| Goodwill and other intangible assets (deduction, net of related tax liabilities) | 203 | (158) | 219 | 55 | (148) | (11) | (286) | 240 | 221 |
| Shortfall of allowance to expected losses | (3,778) | (51) | (2) | (56) | 288 | 85 | (132) | (39) | (236) |
| Other, including regulatory adjustments and transitional arrangements | (205) | 59 | (18) | (27) | (63) | 20 | (92) | (48) | (73) |
| Deferred tax assets that rely on future profitability (excluding those arising from temporary differences) | 47 | (5) | 4 | (14) | 43 | 18 | (55) | (2) | |
| Defined benefit pension fund net assets | (109) | 96 | (131) | (41) | (5) | 14 | 261 | (151) | (134) |
| Significant investments in financial institutions (amount above 10% threshold) | - | - | - | - | - | - | - | - | - |
| Amount exceeding 15% threshold | - | - | - | - | - | - | - | - | - |
| Prudential valuation adjustments | (3) | 7 | 2 | (1) | (5) | (4) | (9) | 6 | (5) |
| Other | 81 | (7) | (22) | 8 | (6) | (15) | 10 | 6 | 7 |
| Closing amount | 20,664 | 21,356 | 20,093 | 19,148 | 18,345 | 17,165 | 17,197 | 16,829 | 16,588 |
| **Additional Tier 1 (AT1) capital** | | | | | | | | | |
| Opening amount | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 | 2,685 |
| AT1 eligible capital issues | 800 | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | - | (251) | - | - | - | (2) | (173) | - | 11 |
| Other, including regulatory adjustments and transitional arrangements | 3,062 | 2,268 | 2,267 | 2,518 | 2,517 | 2,517 | 2,519 | 2,691 | 2,696 |
| Closing amount | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| **Total Tier 1 capital** | | | | | | | | | |
| **Tier 2 capital** | | | | | | | | | |
| Opening amount | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 | 3,933 |
| New Tier 2 eligible capital issues | - | - | - | - | - | - | - | - | - |
| Redeemed capital | - | - | - | - | - | - | (1,500) | - | - |
| Amortization adjustments | - | - | - | - | - | - | - | - | - |
| Impact of the cap on inclusion for instruments subject to phase out | 74 | 3 | (67) | (32) | 48 | (36) | 23 | 25 | (44) |
| Other, including regulatory adjustments and transitional arrangements | 3,427 | 3,353 | 3,350 | 3,417 | 3,449 | 3,401 | 3,437 | 3,914 | 3,889 |
| Closing amount | 27,153 | 26,977 | 25,710 | 25,083 | 24,311 | 23,083 | 23,153 | 23,434 | 23,173 |
| **Total capital** | | | | | | | | | |

$^1$ All-in is defined by OSFI as capital calculated to include all of the regulatory adjustments that will be required by 2019, but retaining the phase-out rules for non-qualifying capital instruments.

# BASEL III LEVERAGE RATIO

($ millions)

| Row | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **On-balance sheet exposures** | | | | | | | | | |
| 1 | On-balance sheet items (excluding derivatives, securities financing transactions (SFTs) and grandfathered securitization exposures, but including collateral) | 486,823 | 456,527 | 442,244 | 437,179 | 426,904 | 411,069 | 409,667 | 401,111 | 394,020 |
| 2 | Asset amounts deducted in determining Basel III transitional Tier 1 capital | (6,995) | (3,044) | (3,127) | (2,677) | (2,581) | (2,851) | (2,971) | (2,592) | (2,483) |
| 3 | Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) | 479,828 | 453,483 | 439,117 | 434,502 | 424,323 | 408,218 | 406,696 | 398,519 | 391,537 |
| **Derivative exposures** | | | | | | | | | |
| 4 | Replacement cost associated with all derivative transactions (i.e. net of eligible cash variation margin) | 5,066 | 6,452 | 4,981 | 6,418 | 7,065 | 6,634 | 7,923 | 6,225 | 7,677 |
| 5 | Add-on amounts for potential future exposure (PFE) associated with all derivative transactions | 15,638 | 16,567 | 14,549 | 14,406 | 14,668 | 13,964 | 13,930 | 13,260 | 12,187 |
| 6 | Gross up for derivatives collateral provided where deducted from the balance sheet assets pursuant to the operative accounting framework | - | - | - | - | - | - | - | - | - |
| 7 | (Deductions of receivables assets for cash variation margin provided in derivative transactions) | (4,585) | (4,990) | (5,408) | (5,667) | (5,450) | (5,280) | (6,267) | (4,980) | (4,664) |
| 8 | (Exempted central counterparty (CCP)-leg of client cleared trade exposures) | - | - | - | - | - | - | - | - | - |
| 9 | Adjusted effective notional amount of written credit derivatives | 125 | - | 216 | 356 | 239 | 397 | 991 | 511 |
| 10 | (Adjusted effective notional offsets and add-on deductions for written credit derivatives) | - | - | (22) | (154) | (25) | (169) | (764) | (295) |
| 11 | Total derivatives exposures (sum of lines 4 to 10) | 16,244 | 18,029 | 14,122 | 15,351 | 16,485 | 15,532 | 15,277 | 14,732 | 15,416 |
| **Securities financing transaction exposures** | | | | | | | | | |
| 12 | Gross SFT assets recognized for accounting purposes (with no recognition of netting), after adjusting for sale accounting transactions | 45,072 | 43,842 | 44,556 | 33,810 | 36,460 | 35,722 | 34,811 | 33,334 | 31,350 |
| 13 | (Netted amounts of cash payables and cash receivables of gross SFT assets) | - | - | - | - | - | - | - | - | - |
| 14 | Counterparty credit risk (CCR) exposure for SFTs | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 15 | Agent transaction exposures | - | - | - | - | - | - | - | - | - |
| 16 | Total securities financing transaction exposures (sum of lines 12 to 15) | 47,061 | 45,855 | 46,238 | 35,582 | 37,595 | 36,582 | 35,816 | 34,501 | 32,450 |
| **Other off-balance sheet exposures** | | | | | | | | | |
| 17 | Off-balance sheet exposure at gross notional amount | 231,083 | 218,975 | 211,165 | 212,888 | 208,903 | 203,249 | 204,266 | 198,437 | 194,778 |
| 18 | (Adjustments for conversion to credit equivalent amounts) | (171,486) | (163,901) | (154,456) | (152,187) | (149,527) | (146,151) | (145,416) | (142,685) | (139,884) |
| 19 | Off-balance sheet items (sum of lines 17 and 18) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| **Capital and total exposures - Transitional basis** | | | | | | | | | |
| 20 | Tier 1 capital | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 21 | Total exposures (sum of lines 3, 11, 16 and 19) | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |
| **Leverage ratios - Transitional basis** | | | | | | | | | |
| 22 | Basel III leverage ratio | 4.0% | 4.2% | 4.1% | 4.1% | 4.0% | 4.0% | 4.0% | 4.1% | 4.1% |
| **All-in basis (required by OSFI)** | | | | | | | | | |
| 23 | Tier 1 capital - All-in basis | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| 24 | (Regulatory adjustments) | (7,411) | (3,381) | (3,483) | (3,333) | (3,188) | (3,443) | (3,573) | (3,544) | (3,305) |
| 25 | Total exposures (sum of lines 21 and 24, less the amount reported in line 2) – All-in basis | 602,314 | 556,186 | 545,480 | 537,172 | 516,838 | 516,037 | 502,552 | 493,475 |
| 26 | Leverage ratio - All-in basis | 3.9% | 4.1% | 4.0% | 4.0% | 3.9% | 3.8% | 3.8% | 3.9% | 3.9% |

# SUMMARY COMPARISON OF ACCOUNTING ASSETS VS. LEVERAGE RATIO EXPOSURE MEASURE (TRANSITIONAL BASIS)

($ millions)

| Row | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 1 | Total consolidated assets as per published financial statements | 560,912 | 528,591 | 513,294 | 501,357 | 494,490 | 478,144 | 479,032 | 463,309 | 457,842 |
| 2 | Adjustment for investments in banking, financial, insurance or commercial entities that are consolidated for accounting purposes but outside the scope of regulatory consolidation | 80 | 120 | 136 | 129 | 165 | 130 | 132 | 228 | 252 |
| 3 | Adjustment for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure | - | - | - | - | - | - | - | - | - |
| 4 | Adjustment for derivative financial instruments | (10,126) | (7,583) | (9,775) | (12,412) | (12,067) | (13,209) | (16,662) | (11,609) | (14,614) |
| 5 | Adjustment for securities financing transactions (i.e. repos and similar secured lending) | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 6 | Adjustment for off-balance sheet items (i.e. credit equivalent amounts of off-balance sheet exposures) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| 7 | Other adjustments | (9,722) | (5,774) | (5,860) | (5,411) | (5,320) | (5,593) | (5,718) | (5,343) | (5,177) |
| 8 | Leverage ratio exposure | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |

$^1$ Per OSFI's "Public Disclosure Requirements related to Basel III Leverage Ratio".

# BASEL III LEVERAGE RATIO

($ millions)

| Row | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **On-balance sheet exposures** | | | | | | | | | |
| 1 | On-balance sheet items (excluding derivatives, securities financing transactions (SFTs) and grandfathered securitization exposures, but including collateral) | 486,823 | 456,527 | 442,244 | 437,179 | 426,904 | 411,069 | 409,667 | 401,111 | 394,020 |
| 2 | Asset amounts deducted in determining Basel III transitional Tier 1 capital | (6,995) | (3,044) | (3,127) | (2,677) | (2,581) | (2,851) | (2,971) | (2,592) | (2,483) |
| 3 | Total on-balance sheet exposures (excluding derivatives and SFTs) (sum of lines 1 and 2) | 479,828 | 453,483 | 439,117 | 434,502 | 424,323 | 408,218 | 406,696 | 398,519 | 391,537 |
| **Derivative exposures** | | | | | | | | | |
| 4 | Replacement cost associated with all derivative transactions (i.e. net of eligible cash variation margin) | 5,066 | 6,452 | 4,981 | 6,418 | 7,065 | 6,634 | 7,923 | 6,225 | 7,677 |
| 5 | Add-on amounts for potential future exposure (PFE) associated with all derivative transactions | 15,638 | 16,567 | 14,549 | 14,406 | 14,668 | 13,964 | 13,930 | 13,260 | 12,187 |
| 6 | Gross up for derivatives collateral provided where deducted from the balance sheet assets pursuant to the operative accounting framework | - | - | - | - | - | - | - | - | - |
| 7 | (Deductions of receivables assets for cash variation margin provided in derivative transactions) | (4,585) | (4,990) | (5,408) | (5,667) | (5,450) | (5,280) | (6,267) | (4,980) | (4,664) |
| 8 | (Exempted central counterparty (CCP)-leg of client cleared trade exposures) | - | - | - | - | - | - | - | - | - |
| 9 | Adjusted effective notional amount of written credit derivatives | 125 | - | 216 | 356 | 239 | 397 | 991 | 511 |
| 10 | (Adjusted effective notional offsets and add-on deductions for written credit derivatives) | - | - | (22) | (154) | (25) | (169) | (764) | (295) |
| 11 | Total derivatives exposures (sum of lines 4 to 10) | 16,244 | 18,029 | 14,122 | 15,351 | 16,485 | 15,532 | 15,277 | 14,732 | 15,416 |
| **Securities financing transaction exposures** | | | | | | | | | |
| 12 | Gross SFT assets recognized for accounting purposes (with no recognition of netting), after adjusting for sale accounting transactions | 45,072 | 43,842 | 44,556 | 33,810 | 36,460 | 35,722 | 34,811 | 33,334 | 31,350 |
| 13 | (Netted amounts of cash payables and cash receivables of gross SFT assets) | - | - | - | - | - | - | - | - | - |
| 14 | Counterparty credit risk (CCR) exposure for SFTs | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 15 | Agent transaction exposures | - | - | - | - | - | - | - | - | - |
| 16 | Total securities financing transaction exposures (sum of lines 12 to 15) | 47,061 | 45,855 | 46,238 | 35,582 | 37,595 | 36,582 | 35,816 | 34,501 | 32,450 |
| **Other off-balance sheet exposures** | | | | | | | | | |
| 17 | Off-balance sheet exposure at gross notional amount | 231,083 | 218,975 | 211,165 | 212,888 | 208,903 | 203,249 | 204,266 | 198,437 | 194,778 |
| 18 | (Adjustments for conversion to credit equivalent amounts) | (171,486) | (163,901) | (154,456) | (152,187) | (149,527) | (146,151) | (145,416) | (142,685) | (139,884) |
| 19 | Off-balance sheet items (sum of lines 17 and 18) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| **Capital and total exposures - Transitional basis** | | | | | | | | | |
| 20 | Tier 1 capital | 24,220 | 24,076 | 22,809 | 22,596 | 21,764 | 20,506 | 20,577 | 20,671 | 20,416 |
| 21 | Total exposures (sum of lines 3, 11, 16 and 19) | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |
| **Leverage ratios - Transitional basis** | | | | | | | | | |
| 22 | Basel III leverage ratio | 4.0% | 4.2% | 4.1% | 4.1% | 4.0% | 4.0% | 4.0% | 4.1% | 4.1% |
| **All-in basis (required by OSFI)** | | | | | | | | | |
| 23 | Tier 1 capital - All-in basis | 23,726 | 23,624 | 22,360 | 21,666 | 20,862 | 19,682 | 19,716 | 19,520 | 19,284 |
| 24 | (Regulatory adjustments) | (7,411) | (3,381) | (3,483) | (3,333) | (3,188) | (3,443) | (3,573) | (3,544) | (3,305) |
| 25 | Total exposures (sum of lines 21 and 24, less the amount reported in line 2) – All-in basis | 602,314 | 556,186 | 545,480 | 537,172 | 516,838 | 516,037 | 502,552 | 493,475 |
| 26 | Leverage ratio - All-in basis | 3.9% | 4.1% | 4.0% | 4.0% | 3.9% | 3.8% | 3.8% | 3.9% | 3.9% |

# SUMMARY COMPARISON OF ACCOUNTING ASSETS VS. LEVERAGE RATIO EXPOSURE MEASURE (TRANSITIONAL BASIS)

($ millions)

| Row | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| 1 | Total consolidated assets as per published financial statements | 560,912 | 528,591 | 513,294 | 501,357 | 494,490 | 478,144 | 479,032 | 463,309 | 457,842 |
| 2 | Adjustment for investments in banking, financial, insurance or commercial entities that are consolidated for accounting purposes but outside the scope of regulatory consolidation | 80 | 120 | 136 | 129 | 165 | 130 | 132 | 228 | 252 |
| 3 | Adjustment for fiduciary assets recognized on the balance sheet pursuant to the operative accounting framework but excluded from the leverage ratio exposure measure | - | - | - | - | - | - | - | - | - |
| 4 | Adjustment for derivative financial instruments | (10,126) | (7,583) | (9,775) | (12,412) | (12,067) | (13,209) | (16,662) | (11,609) | (14,614) |
| 5 | Adjustment for securities financing transactions (i.e. repos and similar secured lending) | 1,989 | 2,013 | 1,682 | 1,772 | 1,135 | 860 | 1,005 | 1,167 | 1,100 |
| 6 | Adjustment for off-balance sheet items (i.e. credit equivalent amounts of off-balance sheet exposures) | 59,597 | 55,074 | 56,709 | 60,701 | 59,376 | 57,098 | 58,850 | 55,752 | 54,894 |
| 7 | Other adjustments | (9,722) | (5,774) | (5,860) | (5,411) | (5,320) | (5,593) | (5,718) | (5,343) | (5,177) |
| 8 | Leverage ratio exposure | 602,730 | 572,441 | 556,186 | 546,136 | 537,779 | 517,430 | 516,639 | 503,504 | 494,297 |

$^1$ Per OSFI's "Public Disclosure Requirements related to Basel III Leverage Ratio".

# CREDIT RISK - WEIGHTED ASSETS (ALL-IN BASIS)

($ millions)

| | Q3/17 | Q2/17 | Q1/17 | Q4/16 | Q3/16 | Q2/16 | Q1/16 | Q4/15 | Q3/15 |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| **Business and government portfolios** | | | | | | | | | |
| Corporate | 76,424 | 76,424 | 74,394 | 72,216 | 72,807 | 72,145 | 69,362 | 68,379 | 64,578 | 64,578 |
| Sovereign | 39,929 | 39,929 | 37,987 | 37,987 | 35,590 | 34,809 | 35,126 | 34,679 | 37,369 | 37,889 |
| Banks | 13,848 | 13,848 | 15,706 | 15,706 | 18,350 | 18,350 | 22,515 | 22,515 | 23,225 | 23,741 |
| Real estate secured personal lending | 878 | 878 | 921 | 921 | 1,004 | 1,004 | 1,060 | 1,060 | 1,169 | 1,205 |
| **Total business and government** | 131,079 | 131,079 | 128,921 | 128,921 | 127,759 | 126,311 | 128,063 | 127,654 | 126,319 | 127,413 |
| **Sovereign** | | | | | | | | | |
| Drawn | 18,998 | 18,998 | 15,532 | 15,532 | 14,577 | 13,966 | 15,493 | 15,291 | 19,299 | 19,299 |
| Undrawn commitments | 18,926 | 18,926 | 17,024 | 17,024 | 16,886 | 15,961 | 15,129 | 16,780 | 15,559 | 15,559 |
| Other off-balance sheet | 16,496 | 16,496 | 16,883 | 16,883 | 20,139 | 16,302 | 16,196 | 15,175 | 9,802 | 10,472 |
| **Total sovereign** | 54,420 | 54,420 | 50,439 | 50,439 | 51,602 | 46,229 | 46,818 | 50,150 | 44,660 | 45,330 |
| **Banks** | | | | | | | | | |
| Drawn | 10,275 | 10,275 | 10,338 | 10,338 | 10,715 | 10,497 | 10,394 | 10,477 | 12,895 | 12,895 |
| Undrawn commitments | 16,566 | 16,566 | 13,954 | 13,954 | 12,484 | 11,696 | 10,960 | 10,028 | 10,439 | 10,439 |
| Other off-balance sheet | 8,298 | 8,298 | 8,640 | 8,640 | 8,900 | 8,868 | 8,732 | 8,775 | 8,919 | 8,919 |
| OTC derivatives | 913 | 913 | 734 | 734 | 705 | 693 | 717 | 726 | 763 | 763 |
| **Total banks** | 36,052 | 36,052 | 33,666 | 33,666 | 32,804 | 31,754 | 30,803 | 29,999 | 33,016 | 33,016 |
| **Gross business and government portfolios** | 262,553 | 262,553 | 253,026 | 253,026 | 248,165 | 234,294 | 235,684 | 237,803 | 233,975 | 235,758 |
| **Retail portfolios** | | | | | | | | | |
| Real estate secured personal lending | 75,496 | 75,496 | 68,450 | 68,450 | 75,233 | 75,821 | 75,821 | 80,552 | 79,913 | 79,913 |
| Qualifying revolving retail | 96,288 | 96,288 | 84,631 | 84,631 | 78,599 | 71,626 | 62,362 | 57,868 | 55,117 | 54,999 |
| Other retail | 64,414 | 64,414 | 57,142 | 57,142 | 60,548 | 57,149 | 61,271 | 66,117 | 63,600 |
| Default | 1,073 | 1,073 | 1,410 | 1,410 | 1,507 | 1,512 | 1,478 | 1,848 | 1,162 | 1,162 |
| **Total retail portfolios** | 237,271 | 237,271 | 203,663 | 203,663 | 215,887 | 206,108 | 200,931 | 206,385 | 199,874 | 199,174 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Other retail** | | | | | | | | | |
| Qualifying revolving retail | 68,616 | 68,616 | 69,503 | 69,503 | 67,487 | 66,722 | 65,174 | 65,174 |
| Other retail | 18,964 | 18,964 | 17,456 | 17,456 | 16,966 | 16,007 | 15,764 | 15,540 | 14,958 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 68,616 | 69,503 | 69,503 | 69,056 | 68,334 | 67,487 | 66,617 | 65,722 | 65,174 |
| **Total retail portfolio** | 18,964 | 18,964 | 17,456 | 17,456 | 16,966 | 16,007 | 15,764 | 15,540 | 14,958 |
| **Total retail portfolio** | 12,641 | 12,641 | 11,729 | 11,729 | 11,288 | 11,169 | 11,169 | 10,232 | 9,592 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail portfolio** | 12,641 | 11,729 | 11,239 | 11,239 | 10,876 | 10,866 | 10,727 | 10,406 | 9,963 |
| **Total retail portfolio** | 239,271 | 233,333 | 224,666 | 219,955 | 219,514 | 211,961 | 207,129 | 204,175 | 199,787 |
| **Total retail portfolio** | 68,616 | 69,503 | 69,993 | 69,993 | 67,987 | 67,129 | 65,856 | 65,244 | 64,483 |
| **Total retail portfolio** | 18,964 | 17,456 | 18,612 | 18,612 | 17,778 | 17,179 | 16,927 | 16,650 | 15,844 |
| **Total retail