Q3 2016 Trading Results and Provisions for Credit Losses
International Retail Loans and Provisions
(Spot Balances as at
Q3/16, $ billions¹)
$18.5
Total Portfolio₁ = $50 billion; 67% secured
$1.7
■Credit Cards ($6.0B)
$4.4
■Personal Loans ($15.5B)
■Mortgages ($28.1B)
$10.4
$8.9
$1.2
$0.5
$3.3
$6.9
$2.4
$12.4
$1.2
$4.9
$3.2
$1.4
$6.0
$5.9
$2.2
$2.5
$1.3
3
C&CA³
Mexico
3
Chile
3
Peru
Colombia
PCL2
Q3/16 Q2/16 Q3/16 Q2/16
Q3/16 Q2/16 Q3/16 Q2/16 Q3/16 Q2/16
$ millions
52
42
42
49
24
22
72
71
54
56
% of avg. net
loans (bps)
115
95
197
221
101
96
445
440
456
476
(1) Total Portfolio includes other smaller portfolios
(2)
Excludes Uruguay PCLs of approximately $10 million
(3)
Includes the benefits from Cencosud and Citibank net acquisition benefits. Excluding the net acquisition benefits, C&CA's ratio would be
134 bps for Q3/16 and 133 bps for Q2/16, Chile's ratio would be 151 bps for Q3/16 and 152 bps for Q2/16 and Peru's ratio would be 487
bps for Q3/16 and 457 bps for Q2/16
Scotiabank®
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