International Banking - Annual Overview
CREDIT PERFORMANCE BY BUSINESS LINES
Well managed and improving credit performance
Total PCL as % of average net loans & BAS
Q4/16
Q1/17
Q2/17
Q3/17
Q4/17
Canadian Banking
Retail
0.31
0.32
0.34
0.31
0.30
Commercial
0.14
0.21
0.14
0.09
0.07
Total PCL
0.28
0.30
0.31
0.28
0.27
Net Interest Margin (%) 2
2.39
2.39
2.38
2.41
2.41
International Banking
Retail1
2.01
2.10
2.19
2.08
2.00
Commercial1
0.33
0.35
0.51
0.31
0.32
Total PCL
1.15
1.21
1.33
1.16
1.14
Net Interest Margin (%)²
4.77
4.73
5.00
4.77
4.67
Global Banking & Markets
Total PCL
0.19
0.04
0.01
0.11
0.04
Net Interest Margin (%) 2,3
1.78
1.63
1.75
1.76
1.88
All Bank
Total PCL Ratio
0.45
0.45
0.49
0.45
0.42
Core Banking Margin (%)
2.40
2.40
2.54
2.46
2.44
1 Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
2 Net Interest Income (TEB) as % of Average Earning Assets excluding Bankers Acceptances
3 Corporate Banking only
Scotiabank®
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