Scotiabank ESG and Financial Performance Update
International Retail: Loans and Provisions
MARKETS
WITH
GREATER
329
MEXICO
CHILE
CARIBBEAN AND
CENTRAL AMERICA
WEIGHTING
173
158
133
300
ΤΟ
138
129
104
106
111
103 102
62 64
179
62
212
237
67
65
SECURED
51
124
139 154 133
109
119
122
120
102
98
93
91
72
963
78
170
195
58
45
39
133
124
46
108 115 95
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
31
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
62
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
PERU
1,588
COLOMBIA
MARKETS
WITH
1,194
GREATER
WEIGHTING
760
724
ΤΟ
UNSECURED
375
492
502
364
353
636
318
534
274
302
307
264 273
352
389
309 329
590
451
307
211
203
287 256
346
317
304
289
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23
PCL as a % of average net loans (bps)1
PCLs on Impaired Loans as a % of average net loans (bps)1
Loan Balances Q2/23
Spot ($Bn)
% Secured
Mexico
$19
89%
Peru
Chile
$11
$33
Colombia
$6
Caribbean & CA
Total²
$13
$82
42%
79%
38%
76%
73%
1 Refer to page 54 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto; 2 Total includes other smaller portfolios; 3 Includes benefit of loss sharing agreement with partner related to credit card program
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