International Banking and Growth
International Retail Loans and Provisions
$16.8
$1.2
(Spot Balances as at
Q1/15, $ billions¹)
$3.7
Total Portfolio² = $45 billion; 69% secured
■Credit Cards ($4.5B)
■Personal Loans ($13.7B)
■Mortgages ($25.9B)
$9.1
-$0.5
$7.3
$2.9
$0.1 $6.2
$11.9
$2.4
$0.8
$4.7
$3.2
$1.9
$5.7
$4.8
$1.5
$2.2
$1.3
C&CA
Mexico
Chile
Peru
Colombia
PCL1
Q1/15 Q4/14 Q1/15 Q4/14 Q1/15 Q4/14 Q1/15 Q4/14
Q1/15 Q4/14
$ millions
34
45
76
67
15
15
59
53
53
28
% of avg.
loans (bps)
91
127
355
318
89
90
429
408
509
2533
(1) Restated amounts to conform with current presentation
(2) Total Portfolio includes other smaller portfolios
(3)
Includes the benefits from the Colpatria credit mark, excluding the benefit of the credit mark, the ratio would be 594bps for Q1/15
and 498 bps for Q4/14
29
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