Investor Presentaiton
International Retail Loans and Provisions
(Spot Balances as at
Q2/16, $ billions¹)
$17.8
$1.7
Total Portfolio₁ = $49 billion; 67% secured
■Credit Cards ($5.8B)
$4.1
■Personal Loans ($14.8B)
Mortgages ($27.2B)
$9.4
$9.0
-$0.5 $1.1
$2.5
$6.7
$2.8
$12.0
$1.1
$4.9
$3.2
$1.4
$6.0
$5.5
$2.2
$2.4
$1.3
C&CA³
Mexico
Chile 3
Peru 3
Colombia
PCL2
Q2/16 Q1/16 Q2/16 Q1/16
Q2/16
Q1/16
Q2/16 Q1/16
Q2/16 Q1/16
$ millions
42
54
49
56
22
22
71
61
56
49
% of avg. net
loans (bps)
95
121
221
242
96
97
440
364
476
432
(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
133 bps for Q2/16 (Central America Citi acquisition in Q2/16), Chile's ratio would be 152 bps for Q2/16 and 187 bps for Q1/16 and Peru's
ratio would be 457 bps for Q2/16 and 381 bps for Q1/16
Scotiabank®
32View entire presentation