Quarterly Financial Performance
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Loans and Acceptances by Type of Borrower
($ billions)
Residential mortgages
Personal loans
Credit cards
Personal
July 31, 2023
April 30, 2023
January 31, 2023
October 31, 2022
July 31, 2022
Balance
% of Total
Balance
% of Total
Balance
% of Total
Balance
% of Total
Balance
% of Total
347.7
44.7%
353.6
44.7%
353.5
45.2%
349.3
45.4%
343.9
46.5%
103.7
13.3%
102.2
12.9%
101.1
12.9%
99.4
12.9%
96.6
13.1%
16.6
2.1%
16.0
2.0%
15.5
2.0%
14.5
1.9%
13.9
1.9%
468.0
60.1%
471.8
59.6%
470.1
60.1%
463.2
60.2%
454.4
61.5%
Financial services
Non-bank
30.0
3.8%
33.0
4.2%
34.6
4.4%
35.2
4.6%
32.8
4.4%
Bank(1)
0.9
0.1%
2.0
0.3%
2.9
0.4%
4.2
0.5%
3.8
0.5%
Wholesale and retail
33.9
4.4%
35.3
4.5%
34.6
4.4%
34.3
4.5%
32.3
4.4%
Real estate and construction
66.2
8.5%
67.1
8.5%
63.3
8.1%
60.9
7.9%
56.2
7.6%
Energy
9.3
1.2%
9.4
1.2%
9.0
1.2%
9.2
1.2%
9.0
1.2%
Transportation
10.1
1.3%
10.3
1.3%
9.9
1.3%
9.3
1.2%
8.7
1.2%
Automotive
16.5
2.1%
17.4
2.2%
15.9
2.0%
14.6
1.9%
13.2
1.8%
Agriculture
17.6
2.3%
18.2
2.3%
18.6
2.4%
19.8
2.6%
18.9
2.6%
Hospitality and leisure
4.0
0.5%
4.0
0.5%
4.0
0.5%
4.0
0.5%
3.9
0.5%
Mining
6.7
0.9%
6.5
0.8%
6.2
0.8%
6.2
0.8%
5.8
0.8%
Metals
2.4
0.3%
2.7
0.3%
2.6
0.3%
2.8
0.4%
2.8
0.4%
Utilities
29.4
3.8%
30.0
3.8%
29.4
3.8%
27.1
3.5%
24.5
3.3%
Health care
7.8
1.0%
7.9
1.0%
8.0
1.0%
7.2
0.9%
7.2
1.0%
Technology and media
25.1
3.2%
27.2
3.4%
26.2
3.3%
25.3
3.3%
19.6
2.7%
Chemicals
2.5
0.3%
2.6
0.3%
2.4
0.3%
2.4
0.3%
2.4
0.3%
Food and beverage
12.2
1.6%
12.5
1.6%
12.3
1.6%
11.8
1.5%
11.8
1.6%
Forest products
2.8
0.4%
2.7
0.3%
2.5
0.3%
2.5
0.3%
2.3
0.3%
Other(2)
Sovereign (3)
Business and Government
26.0
3.3%
24.1
3.0%
23.0
2.9%
23.6
3.1%
23.1
3.1%
7.1
0.9%
7.0
0.9%
7.0
0.9%
6.2
0.8%
5.7
0.8%
310.5
39.9%
319.9
40.4%
312.4
39.9%
306.6
39.8%
284.0
38.5%
Loans and acceptances
Allowance for credit losses on loans and acceptances
778.5
100%
791.7
100%
782.5
100%
769.8
100%
738.4
100%
(5.9)
(5.8)
(5.5)
(5.3)
772.6
785.9
777.0
764.5
(5.2)
733.2
Loans and Acceptances Net of Allowance for Credit Losses
(1) Deposit taking institutions and securities firms.
(2) Other includes $7.5 billion in wealth management, $3.3 billion in services and $2.1 billion in financing products.
(3) Includes central banks, regional and local governments, supra-national agencies.
Scotiabank
Supplementary Financial Information (SFI)
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