Third Quarter 2021 Investor Presentation
International Retail: Loans and Provisions
MEXICO
550 591
CHILE
CARIBBEAN &
CENTRAL AMERICA
556
428
Markets with
Greater
279 321
457
329
280
191
246 228
181
248
Impaired Avg.
160
238
Impaired Avg.
142 bps
Impaired Avg.
234 bps
326 300
261
221
187
Weighting to
251
250 267
276 bps
178
253
243
154
175 190
81 70
62
205
179
Secured
163
87
231 221
204 216
54 67 58
165
170
195
170
1
Q4/19 Q1/20 Q2/20 Q3/20Q4/20 Q1/21 Q2/21 Q3/21
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
1
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
Markets with
Greater
Weighting to
Unsecured
PERU
2,436
COLOMBIA
1,552
1,588
1,338
Impaired Avg.
664 bps
Elevated impaired PCLs in
Peru and Colombia are driven
by the expiry of deferral
programs and the higher
unsecured balances. This has
been appropriately provided
for in prior quarters.
939
Impaired Avg.
906 bps
1,290 1,322 1,152
970
1,194
473 471
738
471 439
361
579
1,065
542 143
764
726 636
361
470 395
424
Q4/19 Q1/20 Q2/20 Q3/20Q4/20 Q1/21 Q2/21 Q3/21
Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
420 406
385
245
287
PCL as a % of avg. net loans (bps)
PCLs on Impaired Loans as a % of avg. net loans (bps)
Average Impaired PCL % (Q4/19-Q3/21)
Loan Balances Q3/21
Mexico
Peru
Chile
Colombia
Caribbean & CA
Total²
Secured ($B)
$11
$3
$20
$2
$9
$45
Unsecured ($B)
$2
$5
$5
$3
$2
$18
Spot Total ($B)
$13
$8
$25
$5
$11
$63
1 PCL excludes impact of additional pessimistic scenario
2 Total includes other smaller portfolios
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