International Banking Revenue and Loan Growth
PCL RATIOS
Stable all-bank PCL ratios on impaired loans
IAS 39 ¦
IFRS 9
Q4/17
Q1/18
Q2/18
Q3/18
Q4/18
(As a % of
Average Net Loans &
Acceptance)
PCLs on PCLs on
Impaired Impaired
Loans Loans
PCLs on
PCLs on
Total PCLs on
Total
PCLs
Total
Total
Impaired
Impaired PCLs Impaired
PCLS
PCLS
Loans
Loans (adj) Loans
Canadian Banking
Retail
0.30
0.29
0.28
0.28
0.28
0.25
0.24
0.25
0.25
Commercial
0.07
0.11
0.08
0.09
0.09
(0.04)
0.06
0.06
0.15
Total
0.27
0.27
0.25
0.25
0.25
0.21
0.21
0.22
0.23
Total - Excluding Credit Mark
0.28
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
International Banking
Retail
2.00
2.28
2.39
2.26
2.16
2.36
2.254
2.38
2.21
Commercial
0.32
0.28
0.201
0.55
0.341
0.38
0.311,4
0.07
(0.06)
Total
1.14
1.25²
1.261,2
1.382
1.221,2 1.33
1.234
1.20
1.05
Total - Excluding Credit Mark
1.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
Global Banking and Markets
0.04
(0.01)
(0.04)
0.02
(0.05)
(0.06)
(0.05)
(0.07) (0.09)
All Bank
0.42
0.43
0.42
0.46
0.42
0.41
0.40
0.42
0.39
1 Excludes provision for credit losses on debt securities and deposit with banks
2 Not comparable to prior periods, which were net of acquisition benefits
3 On an reported basis; includes impact of Day 1 PCLs from acquisitions
Scotiabank®
17
4 On an adjusted basis; adjusted for Day 1 PCLs from acquisitionsView entire presentation