Supplementary Financial Information (SFI)
Back to Table of Contents
Provision for Credit Losses (PCL) by Type of Borrower
($ millions)
PCL on Impaired Loans (Stage 3)
Residential mortgages
Personal loans
Credit cards
Personal
Financial Services
Non-bank
2023
2022
Q1
Q4
Q3
Q2
Q1
10
2021
Full Year
69
Q4
Q3
Q2
Q1
2022
2021
30
23
(2)
3
25
7
20
41
49
49
117
249
200
192
196
178
222
324
496
387
766
1,429
200
170
155
139
137
183
406
551
221
601
1,361
479
393
345
338
340
412
750
1,088
657
1,416
2,907
Bank
Wholesale and retail
15
24
Real estate and construction
12
Energy
(2)
Transportation
5
Automotive
-
(1)
Agriculture
Hospitality and leisure
Mining
Metals
Utilities
Health care
Technology and media
Chemicals
Food and beverage
Forest products
Other
Sovereign
21
15
15
3
8
-
1
2
1
10
(2)
11
1
(1)
83
101
562
494
ཀྵུ གླུ སྐྱེ ཥ S ཥ ཕ ས རྞ སས༠༠ ༤ ༡ སུརྞ སྒྱུ་ྣ
20-02=~~~3- N
3183 - 4
(29)
28
(30)
12
(2)
17
5
8133
212518154
1
1
20
2
9
23
11
17
(2)
(1)
1
23
12
7
2
1
3365-2
2825-2-
28
22
126
13
13
84
51
9
(29)
15
16
23
25
(1)
(3)
1
4
11
37
24
2
13
7
-
-
12
1
1
(6)
7
23
3
1
12
8
3
1
1
2
2
1
2
4
2
1
6
1
13
-
2
8
-
1
-
7
2
1
1
3
10
16
(2)
5
3
9
477
11
1116
12327
(6)
31
34
6
7
10
15
17
10
1
7
7
13
19
14
28
13
8
35
1
2
1
1
4
1
44
68
65
99
389
406
405
511
841
ཚ╗
91
104
105
278
399
1,192
762
1,694
3,306
Business & Government
Total PCL on Impaired Loans (Stage 3)
PCL on Performing Loans (Stage 1 and 2) (¹)
Personal
19
Business & Government
Total PCL on Performing Loans (Stage 1 and 2) (¹)
མགd
21
(16)
(122)
(130)
(177)
(360)
(575)
57
14
39
(65)
(53)
(166)
(101)
(121)
76
35
23
(187)
(183)
(343)
(461)
(696)
162
(4)
(247)
(1,116)
(65)
(382)
(312)
(1,498)
Total PCL
638
529
412
219
222
168
380
496
764
1,382
1,808
(1) Includes provision for credit losses on all performing financial assets.
Scotiabank
Supplementary Financial Information (SFI)
24View entire presentation