Supplementary Financial Information Q1 2023
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Appendix 2: International Banking by Region (1) Caribbean, Central America, and Asia
2023
2022
($ millions)
Q1
Q4
Q3
Caribbean & Central America
Total revenue (TEB)
597
551
557
Provision for credit losses
35
44
55
Non-interest expenses
Net income before tax
Income tax expense (TEB)
Reported net income
Adjusting items (after tax)(2)
Adjusted net income (2)
Reported
346
339
336
216
168
166
48
36
22
168
132
144
1
1
1
169
133
145
2021
Net income attributable to non-controlling interests (NCI)
26
24
25
Net income attributable to equity holders of the Bank (NIAEH)
Impact of FX translation
142
108
119
1
(18)
NIAEH-including impact of FX translation
142
109
101
Adjusted (2)
Net income attributable to non-controlling interests (NCI)
Net income attributable to equity holders of the bank (NIAEH)
Impact of FX translation
NIAEH - including impact of FX translation
27
24
25
142
109
120
1
(19)
(7)
142
110
101
5.68
5.63
5.25
5.02
8 ༔ཝཎྜའིརྞསྶ་ལ་ད་ལ8S8་ སྟྲ
(7)
Profitability Measurements(3)
Net interest margin (2)
4.88
4.79
5.02
Reported (4)
Provision for credit losses (PCL) as % of average net loans and acceptances (5)
0.60
0.79
0.94
0.79
0.80
0.98
0.96
1.28
1.11
0.83
1.09
PCL on impaired loans as % of average net loans and acceptances(5)
0.67
0.62
0.61
0.78
1.31
1.24
1.71
1.90
1.54
0.83
1.60
Productivity ratio (%)
57.8
61.5
60.5
60.6
65.2
64.7
71.6
64.0
68.0
61.9
67.0
Average Balances ($ billions)
Residential mortgages
Personal loans
Credit cards
Business and government loans & acceptances
Total loans & acceptances
Total deposits
Asia
Net income before tax (6)
Income tax expense (TEB)
Net income
Net income attributable to non-controlling interests (NCI)
ཅ ིི╗ཤྰ༤སྐ ༄ N⌘€e NEཥྞཱ ༔ ༔༞ ལྐ་ྔསྶ
Q1
Q4
Q3
525
502
509
44
54
54
340
320
359
141
128
96
33
32
20
108
96
76
1
109
96
77
7.9
7.8
7.6
7.6
7.4
7.4
7.5
7.6
7.7
7.6
7.5
3.3
3.2
3.2
3.2
3.2
3.2
3.3
3.4
3.5
3.2
3.3
1.5
1.5
1.4
1.4
1.4
1.4
1.5
1.6
1.7
1.4
1.5
10.2
10.1
10.1
9.9
10.1
9.9
10.1
10.3
10.2
10.1
10.1
22.9
22.6
22.3
22.1
22.1
21.9
22.4
22.9
23.1
22.3
22.4
24.6
24.4
24.2
23.9
23.4
24.4
24.5
8 སྦེཁྐྲཤྩ&ཆ་མཎྜºེ་NRS g ཨྰཿ ༤#ཥྞ གླུ
Full Year
Q1
2022
2021
527
532
2,174
2,070
69
63
185
239
333
358
1,340
1,371
125
111
649
460
29
29
144
110
96
83
505
351
1
1
3
3
97
84
508
354
22
18
21
22
18
94
79
86
78
55
74
65
411
272
(10)
(7)
(8)
(7)
(6)
(34)
(28)
76
71
47
67
59
377
244
22
17
21
22
18
94
78
87
79
56
75
66
414
276
(11)
(8)
(9)
(7)
(7)
(35)
(31)
76
71
47
68
59
379
245
5.31
5.21
5.09
24.3
24.4
23.9
24.4
Net income attributable to equity holders of the Bank (NIAEH)
Impact of FX translation
20
17
26
24
28
20
1
NIAEH - including impact of FX translation
20
17
26
24
29
20
31
29
36
36
11
12
10
12
20
17
26
24
2882
43
37
43
42
43
144
15
17
11
14
14
28
20
32
28
29
ཙཱག་་མ རྩྡོ 8
96
49
95
95
109
1
1
110
༄8g‛༄རྞ༄
165
56
109
32
28
29
1
32
28
30
(1) Data presented on a constant FX basis. Quarterly results reflect FX rates as of Q1/23, while full-year results reflect Current Year Average FX rates. Refer to non-GAAP measures on page 7 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com.
(2) Refer to Non-GAAP measures on page 4 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com for a description of the measure. Refer to Page 31 of the Supplementary Financial Information Report for a reconciliation.
(3) Ratios are on a reported currency basis.
(4) Refer to page 50 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto..
(5) Provision for credit losses on certain financial assets - loans, acceptances and off-balance sheet exposures.
(6) Reported in Net Income (Loss) from Investments in Associated Corporations in International Banking's results.
Scotiabank
Supplementary Financial Information (SFI).
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