Supplementary Financial Information (SFI)
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Impaired Loans by Type of Borrower
January 31, 2023
October 31, 2022
Allowance
for Credit
Losses
Allowance
for Credit
July 31, 2022
Allowance
April 30, 2022
Allowance
January 31, 2022
Allowance
for Credit
for Credit
for Credit
Losses
Losses
Losses
Losses
($ millions)
Gross
Stage 3
Net
Gross
Stage 3
Net
Gross
Stage 3
Net
Gross
Stage 3
Net
Gross
Stage 3
Net
Residential mortgages
1,539
428
1,111
1,386
406
980
1,281
375
906
1,273
393
880
1,320
395
925
Personal loans
968
563
405
848
551
297
778
559
219
767
566
201
820
574
246
Credit cards (1)
Personal
2,507
991
1,516
2,234
957
1,277
2,059
934
1,125
2,040
959
1,081
2,140
969
1,171
Financial services
1
382
192
60
92
188
24
67
82
81
FNO2053% 22 F F 26 m
11
38
51
7
1
1
190
452
208
72
336
344
71
15
45
98
16
40
52
86
29
9
11
33
19
76
112
181
15
69
85
21
21
18
49
70
12
88
114
26
28
54
23
46
11
71
5
25
56
83
14
61
82
66
90
188
7
229
230
623
1,570
2,224
645
2220100322251
72
18
14
26
16
28
79
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44
34
5
29
1
1
1
468
212
256
273
343
67
276
84
20
64
57
77
22
55
14
38
20
18
201
70
131
89
9
80
19
22
2
20
52
86
27
59
100
165
5
160
55
27
28
56
21
35
2
6
3
3
55
89
35
54
62
86
24
62
109
166
80
86
225
229
5
224
1,579
2,295
654
1,641
Non-bank
126
17
109
142
22
22
120
49
49
Bank
1
1
1
1
Wholesale and retail
487
215
272
484
215
269
Real estate and construction
581
107
474
491
98
393
408
Energy
54
9
45
59
12
47
Transportation
90
36
54
89
38
51
Automotive
19
8
11
18
9
9
Agriculture
235
72
163
196
72
124
Hospitality and leisure
88
16
72
87
15
72
Mining
36
5
31
39
9
30
Metals
67
17
50
70
17
53
Utilities
72
7
65
93
9
84
Health care
53
21
32
53
26
27
Technology and media
38
11
27
37
13
24
Chemicals
79
12
67
88
12
76
Food and beverage
98
29
69
97
30
67
Forest products
80
12
68
79
13
66
Other
161
66
95
182
63
119
Sovereign
Business & Government
232
3
229
247
5
242
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100
54
34
236
2,597
663
1,934
2,552
678
1,874
2,193
Impaired Loans, Net of Related
5,104
1,654
3,450
Allowances
4,786
1,635
3,151
4,252
1,557
2,695
4,264
1,604
2,660
4,435
1,623
2,812
(1) The Bank writes off credit receivables at 180 days, on transfer from performing loans to impaired.
Scotiabank
Supplementary Financial Information (SFI)
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