2011 Outlook
Canadian Retail: Loans and Provisions
(balances at Q4/10, $ billions)
135
Total = $181B; 92% secured
24
13
9
Mortgages(1)
% secured
PCL
100%
Lines of Credit
69%
Personal Loans
Credit Cards(2)
97%
37%
Q4/10
Q3/10
Q4/10
Q3/10
Q4/10
Q3/10
Q4/10
Q3/10
$ millions
3
1
40
29
55
69
41
46
% of avg.
1
<1
67
49
174
224
180
201
loans (bps)
(1) Before securitizations of $16 billion & mortgages converted to MBS of $18 billion;
52% insured (including $15 billion portfolio insurance); LTV in mid-50s for uninsured portfolio
Scotiabank
(2) Includes $6 billion of Scotialine VISA
45
International Retail: Loans and Provisions
(balances at Q4/10, $ billions)
12.9
Total Portfolio = $25B
77% secured
2.9
Personal Loans ($7.0 B)
Credit Cards ($ 1.8 B)
■Mortgages
($16.5 B)
0.8
5.1
9.2
11
4.7
<+0.4
2.6
3.6
16
3.0
<0.1
14
+0.5
0.7
C&CA
% of total
51%
Mexico
20%
Chile
Peru
18%
10%
PCL
Q4/10
Q3/10
Q4/10
Q3/10
Q4/10
Q3/10
Q4/10
Q3/10
$ millions
41
24
45
47
17
17
26
31
% of avg.
125
83
350
376
150
153
389
500
loans (bps)
Scotiabank
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