Supplementary Financial Information (SFI)
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Loans and Acceptances by Type of Borrower
($ billions)
Residential mortgages
Personal loans
Credit cards
Personal
January 31, 2023
October 31, 2022
July 31, 2022
April 30, 2022
January 31, 2022
Balance
% of Total
Balance
% of Total
Balance
% of Total
Balance
% of Total
Balance
% of Total
353.5
45.2%
349.3
45.4%
343.9
46.5%
337.7
47.3%
331.0
47.7%
101.1
12.9%
99.4
12.9%
96.6
13.1%
94.5
13.2%
92.6
13.4%
15.5
2.0%
14.5
1.9%
13.9
1.9%
13.6
1.9%
13.1
1.9%
470.1
60.1%
463.2
60.2%
454.4
61.5%
445.8
62.4%
436.7
63.0%
Financial services
Non-bank
34.6
4.4%
35.2
4.6%
32.8
4.4%
31.1
4.4%
30.3
4.3%
Bank(1)
2.9
0.4%
4.2
0.5%
3.8
0.5%
3.5
0.5%
3.6
0.5%
Wholesale and retail
34.6
4.4%
34.3
4.5%
32.3
4.4%
30.7
4.3%
28.9
4.1%
Real estate and construction
63.3
8.1%
60.9
7.9%
56.2
7.6%
52.6
7.4%
49.0
7.1%
Energy
9.0
1.2%
9.2
1.2%
9.0
1.2%
8.8
1.2%
9.6
1.4%
Transportation
9.9
1.3%
9.3
1.2%
8.7
1.2%
8.8
1.2%
9.2
1.3%
Automotive
15.9
2.0%
14.6
1.9%
13.2
1.8%
12.2
1.7%
11.1
1.6%
Agriculture
18.6
2.4%
19.8
2.6%
18.9
2.6%
17.4
2.4%
17.0
2.4%
Hospitality and leisure
4.0
0.5%
4.0
0.5%
3.9
0.5%
4.0
0.6%
4.0
0.6%
Mining
6.2
0.8%
6.2
0.8%
5.8
0.8%
5.4
0.8%
4.9
0.7%
Metals
2.6
0.3%
2.8
0.4%
2.8
0.4%
2.7
0.4%
2.6
0.4%
Utilities
29.4
3.8%
27.1
3.5%
24.5
3.3%
22.3
3.1%
19.8
2.9%
Health care
8.0
1.0%
7.2
0.9%
7.2
1.0%
6.8
0.9%
6.7
1.0%
Technology and media
26.2
3.3%
25.3
3.3%
19.6
2.7%
19.7
2.8%
19.9
2.9%
Chemicals
2.4
0.3%
2.4
0.3%
2.4
0.3%
1.8
0.3%
1.9
0.3%
Food and beverage
12.3
1.6%
11.8
1.5%
11.8
1.6%
11.4
1.6%
11.1
1.6%
Forest products
2.5
0.3%
2.5
0.3%
2.3
0.3%
2.2
0.3%
2.1
0.3%
Other(2)
Sovereign (3)
Business and Government
23.0
2.9%
23.6
3.1%
23.1
3.1%
20.8
2.9%
19.7
2.8%
7.0
0.9%
6.2
0.8%
5.7
0.8%
6.0
0.8%
5.6
0.8%
312.4
39.9%
306.6
39.8%
284.0
38.5%
268.2
37.6%
257.0
37.0%
Loans and acceptances
Allowance for credit losses on loans and acceptances
Loans and Acceptances Net of Allowance for Credit Losses
(1) Deposit taking institutions and securities firms.
782.5
100%
769.8
100%
738.4
100%
714.0
100%
693.7
100%
(5.5)
(5.3)
(5.2)
(5.3)
(5.5)
777.0
764.5
733.2
708.7
688.2
(2) Other includes $7.1 billion in wealth management, $3.1 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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