International Banking and Growth

Canadian Banking Retail: Loans and Provisions (Spot Balances as at Q1/15, $ billions) $189 Total Portfolio = $253 billion¹; 93% secured $31 $28 $5 % secured Mortgages 100% Lines of Credit Personal Loans Credit Cards 61% 99% 6% PCL Q1/15 Q4/14 Q1/15 Q4/142 Q1/15 Q4/142 Q1/15 Q4/142 $ millions 3 3 49 94 60 75 42 53 % of avg. loans (bps) 1 1 63 120 86 112 361 481 (1) Includes Tangerine balances of $18 billion (2) Increase in Q4/14 ratios largely due to loss estimate changes ($26 million) and adjustment to write-off policy on unsecured bankrupt retail accounts in order to accelerate write-offs upon a bankruptcy filing ($62 million). Excluding the preceding items, adjusted PCL rates at Q4/14 would have been: Lines of Credit 56 bps, Personal Loans 76 bps and Credit Cards 354 bps. - (all amounts are pre-tax) A Scotiabank® 27

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