Investor Presentaiton
PCL Ratios
(Total PCL as a % of Average Net
(1)
(2)
Loans & Acceptances)
Q4/141
Q1/15
Q2/15
Q3/15
Q4/15
Canadian Banking
Retail
0.35
0.24
0.25
0.26
0.26
Commercial
0.13
0.12 0.13 0.08
0.15
Total
0.33
0.23
0.24
0.23
0.24
International Banking
Retail
2.20
2.41
2.31
2.41
2.21
Commercial
1.08
0.35
0.20
0.26
0.25
Total
1.62
1.33
1.19
1.27
1.17
Total - Excluding Colpatria credit mark
1.89
1.40
1.21
1.30
1.17
Global Banking and Markets
0.02
0.08
0.08
0.08
0.14
All Bank - Excluding Collective
0.532
0.42
0.41
0.42
0.42
All Bank - Including Collective
0.532
0.42
0.41
0.42
0.47
Excluding the impact for accelerated loan write-offs for bankrupt retail accounts of $62 million pre-tax (See Appendix - Notable Items), adjusted Q4/14 All Bank PCL
ratio was 0.47 and Total Canadian Banking was 0.24
Excluding the impact of Colpatria credit mark, all-bank PCL ratio was 0.58.
14
Scotiabank®View entire presentation