Global Wealth Management: 2011 Outlook
Canadian Banking Retail: Loans and Provisions
135
(balances at Q1/11, $ billions)
Total = $179B; 92% secured
23
12
9
(1)
(2)
% secured
PCL
Mortgages
100%
Lines of Credit
67%
Personal Loans
97%
Credit Cards
37%
Q1/11
Q4/10
Q1/11
Q4/10
Q1/11
Q4/10
Q1/11
Q4/10
$ millions
3
3
30
40
47
55
54
41
% of avg.
1
1
51
68
156
181
239
180
loans (bps)
(1)
Before securitizations of $17 billion & mortgages converted to MBS of $19 billion; 52% insured (including $15 billion portfolio
insurance); LTV in mid-50s for uninsured portfolio
(2) Includes $6 billion of Scotialine VISA
Scotiabank
45
International Banking Retail: Loans and Provisions
(balances at Q1/11, $ billions)
12.6
2.8
0.8
Total Portfolio = $25B
78% secured
Personal Loans ($6.8 B)
Credit Cards
■Mortgages
($ 1.9 B)
($16.5 B)
5.0
4.8
9.0
10
+0.4
1.6
2.8
0.1
1.4
3.6
3.1
0.6
0.8
C&CA
% of total
50%
Mexico
19%
Chile
Peru
19%
11%
PCL
Q1/11
Q4/10
Q1/11
Q4/10
Q1/11
Q4/10
Q1/11
Q4/10
$ millions
47
41
28
45
14
17
21
26
% of avg.
147
125
223
350
120
150
303
389
loans (bps)
Scotiabank
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