Scotiabank Financial Review Q2 2019
PCL RATIOS
Credit fundamentals remain strong
Q2/18
Q3/18
Q4/18
Q1/19
Q2/19
(As a % of
PCLs on
PCLs on
Total PCLs on
PCLs on
PCLs on
Total
Total
Total
Total
Total
Average Net Loans &
Impaired
Impaired
PCLs Impaired
Impaired
Impaired
PCLs
PCLs
PCLs
PCLS
PCLS
Acceptances)
Loans
Loans
(adj.) Loans
Loans
Loans
(adj.)
Canadian Banking
Retail 0.28
0.28
0.25
0.24
0.25
0.25
0.28
0.28
0.31
0.35
0.35
Commercial
0.09
0.09
(0.04)
0.06
0.06
0.15
0.21
0.231
0.09
0.061
0.061
Total
0.25
0.25
0.21
0.21
0.22
0.23
0.27
0.271
0.28
0.301 0.301
International Banking
Retail
2.26
2.16
2.36
2.252
2.38
2.21
2.33
2.36
2.36
3.183 2.352
Commercial
0.55
0.341
0.38
0.312
0.07 (0.06)1
0.19
0.261
0.27
0.311, 3 0.301,2
Total
1.38
1.221
1.33
1.232
1.20
1.051
1.23
1.281
1.29
1.711,3 1.301,2
Global Banking and Markets
0.02
(0.05)
(0.06)
All Bank
0.46
0.42
0.41
(0.05)
0.40
0.42
(0.07) (0.09)1
0.39
(0.01)
0.47
0.47
(0.07) (0.02) (0.02) (0.02)
0.49
0.61 0.51
1 Excludes provision for credit losses on debt securities and deposit with banks
2 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
3 On a reported basis; includes impact of Day 1 PCLs from acquisitions
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