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
33View entire presentation