Quarterly Financial Performance
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Impaired Loans by Type of Borrower
July 31, 2023
Allowance
for Credit
April 30, 2023
Allowance
for Credit
January 31, 2023
Allowance
for Credit
October 31, 2022
Allowance
July 31, 2022
Allowance
for Credit
for Credit
Losses
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
1,768
483
1,285
1,659
455
1,204
1,539
428
1,111
1,386
406
980
1,281
375
906
Personal loans
1,079
632
447
1,040
608
432
968
563
405
848
551
297
778
559
219
Credit cards (1)
-
Personal
2,847
1,115
1,732
2,699
1,063
1,636
2,507
991
1,516
2,234
957
1,277
2,059
934
1,125
Financial services
100
126
17
109
142
22
22
120
49
11
1
1
1
1
1
1
241
487
215
272
484
215
269
382
513
581
107
474
491
98
393
408
29
54
9
45
59
12
47
55
90
36
54
89
38
51
12
19
8
11
18
9
9
180
235
72
163
196
72
124
74
88
16
72
87
15
72
21
36
67
72
53
38
79
98
80
161
232
2,597
SET22222638
5
31
39
9
30
17
50
70
17
53
7
65
93
9
84
21
32
53
26
27
11
27
37
13
24
12
67
88
12
76
29
69
97
30
67
12
68
79
13
66
66
95
182
63
119
229
247
5
242
ལྐ ༈༙ ༅ ཚ ° ཚ༷ ཚ ° ºེ ཤྩ ཝཿ ཞ ཚ ཆ ཥ 8 སྐྲ
192
188
84
24
67
60
92
40
9
76
15
3
18
100
12
26
34
11
82
11
81
236
1,934
2,552
678
1,874
2,193
་སྐྱ༤༄¥༠e ༅ ཀ ལྗe 8ཇཇམ༄ 8 ོ༤ སྨྱ
190
72
336
15
25
14
66
7
229
623
1,570
སྐ རྞ 8 ཤྰ 8 རྗ ༄ ༅ བ ༄ ཆྀ ཀླུ ཀླུ ང 8 ཅ 8 8
38
1
45
52
11
112
69
21
88
28
56
90
Non-bank
Bank
117
Wholesale and retail
Real estate and construction
464
203
690
Energy
34
Transportation
94
Automotive
16
Agriculture
316
Hospitality and leisure
88
Mining
6
Metals
64
༄ ་ ླ ཁྱཻ ༈ ཡ ྨ ༈ ྋ སླ
40
77
120
20
1
261
458
217
124
566
626
113
8
26
37
8
39
55
95
40
8
21
9
80
236
248
68
14
74
88
14
3
3
26
5
24
40
66
21
Utilities
4
2
2
74
6
Health care
73
Technology and media
21
Chemicals
78
Food and beverage
125
Forest products
79
Other
139
Sovereign
Business & Government
232
2,640
705
ཪྐུ གླཋརྐ9 སྐྱ * ཤྩ
21
52
62
20
12
26
11
15
63
80
16
37
88
112
36
12
67
91
14
77
133
66
4
228
242
4
1,935
2,606
688
༄ ་ ཐཱ ་ མ ཨཽ ༤ ༅ * ས ུ ® ¥ ༅ ལྕ e ང ཅེ སྐྭ སྨྱ
1,918
Impaired Loans, Net of Related
5,487
Allowances
1,820
3,667
5,305
1,751
3,554
5,104
1,654
3,450
4,786
1,635
3,151
4,252
1,557
2,695
(1) The Bank writes off credit card receivables at 180 days, on transfer from performing loans to impaired.
Scotiabank
Supplementary Financial Information (SFI)
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