Scotiabank Pacific Alliance Expansion
Canadian Retail: Loans and Provisions'
MORTGAGES
AUTO LOANS
216
224
106 91
99
14
2
1
1
2
1
99
105
81
89
78
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
LINES OF CREDIT²
164
169
CREDIT CARDS
1,002
896
79
62
70
410
400 322
87
74
65
60
57
445
401
312
321
310
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCL as a % of avg. net loans (bps)
Loan Balances Q2/21
Mortgages
Spot ($B)
$257
% Secured
100%
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion and other smaller portfolios
4 82% secured by real estate; 12% secured by automotive
Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCLs on Impaired Loans as a % of avg. net loans (bps)
Auto Loans
Lines of Credit²
Credit Cards
Total
$39
100%
$32
$6
$3353
64%
2%
94%4
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