Investor Presentaiton slide image

Investor Presentaiton

$6.2 International Retail Loans and Provisions (Spot Balances as at Q1/16, $ billions¹) $19.0 $1.1 $4.5 Total Portfolio₁ = $50 billion; 68% secured $9.3 -$0.5 $9.6 In $13.4 $2.6 ■Credit Cards ($5.3B) ■Personal Loans ($15.4B) ■Mortgages ($28.9B) $1.2 $7.0 $2.9 $1.2 $4.7 $3.3 $1.3 $5.5 $2.1 $2.5 $1.3 C&CA Mexico Chile 3 3 Peru Colombia 4 PCL2 Q1/16 Q4/15 Q1/16 Q4/15 Q1/16 Q4/15 Q1/16 Q4/15 Q1/16 Q4/15 $ millions 54 57 56 50 22 31 61 63 49 39 % of avg. net loans (bps) 121 132 242 226 97 145 364 391 432 340 (1) Total Portfolio includes other smaller portfolios (2) Excludes Uruguay PCLs of approximately $11 million (3) Includes the benefits from Cencosud and Citibank credit marks, excluding the credit marks, Chile's ratio would be 162 bps for Q1/16 and 212 bps for Q4/15 and Peru's ratio would be 434 bps for Q1/16 and 477 bps for Q4/15 Scotiabank® (4) Colombia Small Business portfolio reclassed to Retail from Commercial - Prior period restated 33
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