International Banking and Growth
(1)
Provisions for Credit Losses
($ millions)
Q1/14
Q2/14
Q3/14
Q4/141
Q1/15
Canadian Retail
118
127
137
225
154
Canadian Commercial
17
13
15
11
11
Total
135
140
152
236
165
International Retail
187
196
206
218
246
International Commercial
30
33
36
118
39
Total
217
229
242
336
285
Total - Excluding Colpatria credit mark
269
256
270
392
301
Global Banking & Markets
4
6
4
2
13
Total
356
375
398
574
463
PCL ratio (bps) - Total PCL as
34
36
37
53
42
% of average loans and BAS
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 PCLs is $512 million and
Total Canadian Banking is $148 million. Adjusted All bank PCL ratio is 47bps in Q4/14
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