International Retail Loans and Provisions
(1)
(2)
(3)
Other Segment¹
2,3
Net Income ($MM)
117
72
47
43
32
62
(15)
Q4/14 Q1/15 Q2/15 Q3/15 Q4/15
Net after-tax notable items in Q4/14
Highlights
Year-over-year, net income was
higher driven by lower expenses
•
Pension accrual reduction, partly
offset by reorganization costs
.
Increase in collective allowance
against performing loans
.
Higher investment gains and
lower tax costs, partly offset by
lower interest income and other
revenues
Includes Group Treasury, smaller operating segments, and other corporate items which are not allocated to a business line. The results primarily reflect the net impact
of asset/liability management activities
Attributable to equity holders of the Bank
Adjusted for notable items in Q4/14 - (See Appendix - Notable Items)
11
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