Q1 2014 Trading Results and Financial Overview
Canadian Banking Retail: Loans and Provisions
$189
(Spot Balances at Q1/14, $ billions)
Total Portfolio = $246 billion¹; 94% secured
$31
$22
$4
% secured
Mortgages
100%
Lines of Credit
62%
Personal Loans
Credit Cards
98%
7%
PCL
Q1/14
Q4/13
Q1/14
Q4/13
Q1/14
Q4/13
Q1/14
Q4/13
$ millions
3
5
41
40
45
32
29
29
% of avg.
loans (bps)
1
1
53
52
80
60
304
316
1)
Includes ING DIRECT balances of $24 billion
29
International Retail Loans and Provisions
(Spot Balances at
Q1/14, $ billions)
$14.3
$1.1
$2.9
Scotiabank
Total Portfolio = $38.3 billion; 68% secured
Credit Cards ($4.5B)
■Personal Loans ($10.9B)
■Mortgages ($22.4B)
$7.1
$6.7
<<$0.6
$1.8
$2.1
$10.3
<<$0.2
$5.0
$4.7
$0.7
$1.9
$2.7
$4.7
$4.4
$1.4
$1.6
$1.4
C&CA
Mexico
Chile
Peru
Colombia¹
PCL
Q1/14 Q4/13 Q1/14 Q4/13
Q1/14 Q4/13
Q1/14 Q4/13 Q1/14 Q4/13
$ millions
19
21
54
42
17
18
65
59
14
24
23
% of avg.
54
61
314
255
104
111
535
491
211
214
loans (bps)
Note: Excludes non-material portfolios
(1) Purchased portfolio recorded at fair value, which includes a discount for expected credit losses. The
bank expects to see increased provisions as the purchased portfolio in Colombia rolls over and
reaches a steady state.
30
Scotiabank
15View entire presentation