Scotiabank Pacific Alliance Expansion
International Retail: Loans and Provisions
Markets with
Greater
MEXICO
1.1x
CHILE
CARIBBEAN & CA
Weighting to
3031
323
0.7x
1911
139
1.1x
2781,2
3062
Secured
550 591
556
428
279 321
457
Impaired Avg.
280
208 246 228
248
Impaired Avg. 155
191
181 153 bps
Impaired Avg.
326
261
261 bps
160
213 bps
221
238
67
187
178
203
251
267
250
253 243
150
154
175 190
81
141
205
163
87
54
70
138
165
170
231 221
204 216
195
Markets with
Greater
Weighting to
Unsecured
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PERU
1.9x
5921
1,116
2,436
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20Q4/20 Q1/21 Q2/21
COLOMBIA
1.5x
5371
785
1,552
1,338
Q3/19 Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
939
1,290 1,322 1,152
738
970
Impaired Avg. 531
825 bps
Impaired Avg.
471 439
361
532 bps
545
579
473 471
1,065
542
143
764
726
491
424
470 395
377
420 406
245
385
361
Q3/19 Q4/19 Q1/20'Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCL as a % of avg. net loans (bps)
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCLs on Impaired Loans as a % of avg. net loans (bps)
Higher 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.
Average Impaired PCL % (Q3/19-Q2/21)
Loan Balances Q2/21
Mexico
Peru
Chile
Colombia
Caribbean & CA
Total³
Secured ($B)
$10
$3
$21
$2
$8
$45
Unsecured ($B)
$2
$5
$5
$4
$3
$19
Spot Total ($B)
$12
$8
$26
$6
$11
$64
1 PCL excludes impact of additional pessimistic scenario
2 Excludes impact of divested operations
3 Total includes other smaller portfolios
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