Second Quarter 2019 Investor Presentation
1.00%
0.50%
0.00%
2001
0.50%
0.00%
Historical PCL Ratios on Impaired Loans
Credit fundamentals remain strong; PCLS on impaired loans in line with long-term average
1.50%
ALL BANK HISTORICAL PCL RATIO ON IMPAIRED LOANS¹
1.00%
2002: Included $454
million related to the
Bank's exposure to
Argentina
2009: Higher PCLs driven
by economic conditions,
event distributed across
business lines. Higher
general allowance and
sectoral allowance
(automotive related)
PCL Ratio on Impaired Loans
2007
1.50%
CANADIAN BANKING HISTORICAL PCL RATIO ON IMPAIRED LOANS¹
2002
2003
PCL Ratio on Impaired Loans
1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures
2008
Historical Average - PCL Ratio on Impaired Loans (44 bps)
༔ ༔ ༔ ༔ ༔
2014
I
2015
Historical Average - PCL Ratio on Impaired Loans (26 bps)
2016
Average: 44 bps
I
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Scotiabank®
Average: 26 bps
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