Investor Presentaiton
(1)
PCL Ratios
(Total PCL as % of average loans &
Q3/14
Q4/141
Q1/15
Q2/15
Q3/15
BAS)
Canadian Banking
Retail
Commercial
0.22
0.35
0.17 0.13 0.12
0.24
0.25
0.26
0.13 ☐ 0.08
Total
0.21
0.33
0.23
0.24
0.23
International Banking
Retail
2.14
2.20
2.41
2.31
2.41
Commercial
0.33
1.08 0.35
0.20
☐0.26
Total
1.19
1.62
1.33
1.19
1.27
Total - Excluding Colpatria credit mark
1.31
1.89
1.40
1.21
1.30
Global Banking & Markets
0.02
0.02
0.08
0.08
0.08
All Bank
0.37
0.53
0.42
0.41
0.42
All Bank - Excluding Colpatria credit mark
0.39
0.58
0.43
0.41
0.42
Excluding the impact for accelerated loan write-offs for bankrupt retail accounts of $62 million pre-tax (See Appendix - Notable Items), adjusted Q4/14 All Bank PCL ratio is 0.47 and
Total Canadian Banking is 0.24
14
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