Investor Presentaiton
Credit Highlights - Well Managed
Loans & Acceptances by Category ($491B)
•
High proportion of assets are residential mortgages
Very low exposure to unsecured credit
Business &
Corporate loan book is diversified with a focus on
Gov't - 36%
Investment Grade clients
15%
Underlying credit fundamentals remain solid
Market risk remains well-controlled
93% of Canadian Retail assets are secured (82% by
real estate and 11% by automotive)
68% of International Retail assets are secured
Manageable energy exposure is diversified across
sectors and geographies
Provision for Credit Losses Ratio
3.6%
4%
5%
4%
5%
2%
17%
Retail - 64%
■Mortgages ($219B)
Personal Loans ($83B)
■Credit Cards ($12B)
Financial Services ($22B)
45%
■Real Estate ($21B)
Wholesale/Retail ($23B)
Automotive/Transport ($21B)
Oil & Gas ($17.9)
Other ($72B)
Gross Impaired Loans Ratio
0.45%
0.42%
0.42%
0.42%1
1.01%
0.41%
1.00%
0.97%
0.97%
1.03%
Q1/15
Q2/15
Q3/15
Q4/15
Q1/16
Q1/15
Q2/15
Q3/15
Q4/15
Q1/16
(1) Excludes the increase in Collective Allowance for Performing Loans (PCL ratio
including the increase in Collective Allowance for Performing Loans is 47 bps
in Q4/15)
80
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