2011 Outlook
Significant Decline in Specific Provisions
Year-over-Year
($ millions)
Q4/09
Q1/10
Q2/10
Q3/10
Q4/10
Canadian Retail
159
140
149
145
140
Canadian Commercial
33
41
40
24
34
192
181
189
169
174
International Retail
122
130
125
118
129
International Commercial
45
47
48
20
20
(1)
167
177
173
138
128
Scotia Capital
Total
PCL ratio (bps)
65
14
(5)
(7)
(8)
424
372
357
300
294
63
63
55
55
55
55
43
43
41
Scotiabank
Continued Downward Trend in Net Impaired
Loan Formations
17
($ millions)
Q4/09 Q1/10 Q2/10 Q3/10
Q4/10
Canadian Retail
205
184
154
147
135
Canadian Commercial
24
42
15
47
71
229
226
169
194
206
International Retail
254
259
184
211
149
International Commercial
5
135
15
(12)
(36)
259
394
199
199
113
Scotia Capital
139
(109)
(68)
(10)
13
Total
627
511
300
383
332
Scotiabank
18View entire presentation