Q3/11 Financial Performance and Outlook
Improving Trend in Gross Impaired Loans
($ billions)
6.0
42
5.0
4.0
3.0
2.0
1.0
0.0
Scotiabank
2.0%
1.8%
1.6%
1.4%
1.2%
1.0%
0.8%
0.6%
0.4%
0.2%
0.0%
Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Q4/101 Q1/11 Q2/11 Q3/11
GILs ex. R-G
R-G Premier Bank
GILS as % of Loans & BAS
GILS as % of Loans & BAs ex. R-G
(1) Decline in R-G Premier Bank's GILs in Q4/10 reflects preliminary purchase price
allocation that reduced carrying value to its estimated fair value
Canadian Banking Retail: Loans and Provisions
139
23
Scotiabank
(Balances at Q3/11, $ billions)
Total = $184B; 92% secured
13
9
1
% secured
Mortgages
100%
Lines of Credit
66%
Personal Loans
95%
Credit Cards 2
35%
PCL
Q3/11
Q2/11
$ millions
5
3
28
Q3/11 Q2/11
33
Q3/11 Q2/11
Q3/11 Q2/11
27
39
43
48
% of avg.
1
1
48
59
89
120
192
224
loans (bps)
(1) Before securitizations of $18 billion & mortgages converted to MBS of $20 billion; 49% insured (including -$12 billion portfolio insurance); LTV in
mid-50s for uninsured portfolio
(2) Includes $6 billion of Scotialine VISA
21
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