Investor Presentaiton
17
18
•
Risks Continue to be Well-Managed
Risk in credit portfolios remains well-managed
-
-
-
Overall credit quality continues to be strong
Credit risk in Canadian residential real estate portfolio remains
stable. Loss estimate for real estate portfolio impacted by Alberta
flooding is not significant
Retail provisions in International Banking in line with growth and
product mix
All-Bank PCL ratio declined to 31 basis points
Net impaired loan formations up $152 million to $478 million this
quarter
Primarily driven by Colombia acquisition
Market risk remains low and well-controlled
Average 1-day all-bank VaR: $17.4MM vs. $16.8MM in Q2/13
Scotiabank
Credit Provisions
($ millions)
Q3/12
Q4/12 Q1/13
Q2/13
Q3/13
Canadian Retail
103
99
108
106
103
Canadian Commercial
15
33
10
30
5
118
132
118
136
108
International Retail
151
159
171
180
177
International Commercial
17
17
15
14
17
168
1761
1861
1941
1941
Global Wealth Management
1
2
1
1
1
Global Banking & Markets
15
11
5
12
11
Collective allowance on performing loans
100
Total
402
321
310
343
314
PCL ratio (bps) ex. collective allowance
34
36
32
35
31
PCL ratio (bps) on performing loans
46
36
32
35
31
Scotiabank
(1) Includes the impact of Colombian purchased portfolio. The Bank expects the PCL ratio to rise with
1the maturity of the acquired portfolio. See Pg. 11 of the Third Quarter Report to Shareholders.View entire presentation