Earnings and Dividend Growth
International Retail: Loans and Provisions
MEXICO
550 591
CHILE
Markets with
Greater
428
321
279
329
280
246 228
191
181
248
Impaired Avg.
160
Weighting to
251
250 267
276 bps
238
243
253
154
175 190
Secured
205
179
163
87
Markets with
Greater
Weighting to
Unsecured
1
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
PERU
2,436
CARIBBEAN &
CENTRAL AMERICA
556
457
Impaired Avg.
142 bps
Impaired Avg.
234 bps
326 300
261
221
187
178
81 67
58
62
231 221
204 216
54
70
165
170
195
170
1
Q4/19 Q1/20 Q2/20Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
COLOMBIA
1,552
1,588
1,338
Impaired Avg.
664 bps
Elevated impaired PCLs in
Peru and Colombia are driven
by the expiry of deferral
programs and the higher
unsecured balances. This has
been appropriately provided
for in prior quarters.
939
Impaired Avg.
906 bps
1,290 1,322 1,152
970
1,194
473 471
738
471 439
361
579
1,065
542 143
764
726 636
361
470 395
424
Q4/19 Q1/20 Q2/20 Q3/20Q4/20 Q1/21 Q2/21 Q3/21
Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21 Q3/21
420 406
385
245
287
PCL as a % of avg. net loans (bps)
PCLs on Impaired Loans as a % of avg. net loans (bps)
Average Impaired PCL % (Q4/19-Q3/21)
Loan Balances Q3/21
Mexico
Peru
Chile
Colombia
Caribbean & CA
Total²
Secured ($B)
$11
$3
$20
$2
$9
$45
Unsecured ($B)
$2
$5
$5
$3
$2
$18
Spot Total ($B)
$13
$8
$25
$5
$11
$63
1 PCL excludes impact of additional pessimistic scenario
2 Total includes other smaller portfolios
47View entire presentation