Investor Presentaiton slide image

Investor Presentaiton

Credit Performance by Business Lines Stable all-bank PCL ratios on impaired loans IAS 39 ¦ IFRS 9 Q4/17 Q1/18 Q2/18 Q3/18 Q4/18 (As a % of Average Net Loans & Acceptances) PCLs on PCLs on Impaired Impaired Loans Loans PCLs on PCLs on Total PCLs on Total Total Total Impaired Impaired PCLS Impaired PCLS PCLS PCLS Loans Loans (adj.) Loans | Canadian Banking Retail 0.30 0.29 0.28 0.28 0.28 0.25 0.24 0.25 0.25 I Commercial 0.07 I 0.11 0.08 0.09 0.09 (0.04) 0.06 0.06 0.15 Total 0.27 I 0.27 0.25 0.25 0.25 0.21 0.21 0.22 0.23 Total - Excluding Credit Mark 0.28 | N/A N/A N/A N/A N/A N/A N/A N/A Benefits I International Banking Retail 2.00 2.28 2.39 2.26 2.16 2.36 2.254 2.38 2.21 I Commercial 0.32 I 0.28 0.201 0.55 0.341 0.38 0.311,4 0.07 (0.06) Total 1.14 I 1.25² 1.261,2 1.382 1.221,2 1.33 1.234 1.20 1.05 Total Excluding Credit Mark 1.34 N/A N/A N/A N/A N/A N/A N/A Benefits I N/A I Global Banking and Markets 0.04 (0.01) (0.04) 0.02 (0.05) (0.06) (0.05) (0.07) (0.09) All Bank 0.42 0.43 0.42 0.46 0.42 0.41 0.40 0.42 0.39 1 Excludes provision for credit losses on debt securities and deposit with banks 2 Not comparable to prior periods, which were net of acquisition benefits 3 On an reported basis; includes impact of Day 1 PCLs from acquisitions 4 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions Scotiabank® 28
View entire presentation