Canadian and International Banking Performance
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Canadian Banking: Challenging Market Environment
Scotiabank
Revenues (TEB)
($ millions)
1,559
1,592
1,498
403
403
352
Year-over-Year
• Retail & Small Business
+ Asset and deposit growth
- Margin compression
• Commercial Banking
- Lower revenue from automotive lending
1,156
1,189
1,146
Q2/10
Q1/11
Commercial Banking
Retail & Small Business
Q2/11
•
Quarter-over-Quarter
Retail & Small Business
+ In-branch mutual fund sales
- Shorter quarter
- Margin compression
Commercial Banking
- Lower interest and other income
Canadian Banking: Volume Growth
Scotiabank
Q2/11 Q1/11
Q/Q
Average Balances ($ billions)
Q2/10
Y/Y
136.7
135.7
1.0
Residential Mortgages¹
126.0
10.7
36.6
36.6
Personal Loans
35.7
0.9
8.7
8.9
(0.2)
Credit Cards²
9.1
(0.4)
Business Loans &
24.9
24.2
0.7
23.6
1.3
Acceptances
100.4
99.8
0.6
Personal Deposits
96.5
3.9
39.7
39.3
0.4
Non-Personal Deposits
37.9
1.8
(1) Before securitization
(2) Includes ScotiaLine VISA
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