Supplementary Financial Information Q1 2023
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Appendix 2: International Banking by Region (1) Latin America
($ millions)
Latin America (2)
Total revenue (TEB)
Provision for credit losses
Non-interest expenses
Net income before tax
Income tax expense (TEB)
Reported net income
Adjusting items (after tax) (3)
Adjusted net income (3)
Reported
2023
Q1
Q4
2022
33
62
Q2
Q1
2021
Full Year
60
Q4
Q3
Q2
Q1
2022
2021
2,073
1,982
1,891
1,875
1,923
1,833
1,856
1,785
1,899
7,804
7,507
368
322
281
240
246
281
306
329
451
1,090
1,367
1,091
1,058
1,010
982
1,011
988
990
973
1,022
4,058
3,973
614
602
600
653
666
564
560
483
426
2,656
2,167
110
59
72
115
159
81
117
127
100
442
460
504
543
528
538
507
483
443
356
326
2,214
1,707
7
7
6
7
6
7
6
7
8
26
28
511
550
534
545
513
490
449
363
334
2,240
1,735
Net income attributable to non-controlling interests (NCI)
12
13
29
53
Net income attributable to equity holders of the Bank (NIAEH)
Impact of FX Translation
492
530
499
485
441
(13)
(1)
5
NIAEH―including impact of FX Translation
492
517
498
490
440
Adjusted (3)
Net income attributable to non-controlling interests (NCI)
Net income attributable to equity holders of the bank (NIAEH)
Impact of FX translation
8 ་ྒུ 8 སྒྲ॰;
66
61
55
59
62
159
238
422
388
297
264
2,055
1,469
(1)
15
19
28
36
(110)
437
407
325
300
1,945
1,469
NIAEH - including impact of FX translation
12
13
28
53
62
54
59
62
159
238
499
537
506
492
448
428
395
304
272
2,081
1,497
(14)
(2)
5
(1)
16
19
29
37
(110)
3
499
523
504
497
447
444
414
333
309
1,971
1,500
Profitability Measurements (4)
Net interest margin (3)
3.71
3.79
3.71
3.77
3.68
3.60
3.59
3.83
3.92
3.74
3.74
Reported
Provision for credit losses (PCL) as % of average net loans and acceptances (5) (6)
PCL on impaired loans as % of average net loans and acceptances (5) (6)
1.01
0.91
0.83
0.76
0.77
0.89
1.01
1.17
1.56
0.82
1.16
0.92
0.84
0.70
0.77
0.73
1.17
2.14
2.97
1.50
0.76
1.93
Productivity ratio (%) (5)
52.6
53.3
52.6
51.6
51.8
52.8
52.1
53.1
52.6
52.3
52.6
Average Balances ($ billions)
Residential mortgages
Personal loans
Credit cards
Business and government loans & acceptances
Total loans & acceptances
Total Deposits
39.9
38.7
37.3
35.8
34.4
32.5
31.3
30.5
30.0
36.5
31.1
16.2
16.1
15.9
15.4
15.5
15.4
15.4
15.3
15.3
15.8
15.3
6.7
6.3
6.2
5.8
5.3
5.0
4.9
5.7
6.3
5.9
5.5
84.9
82.2
80.8
77.1
74.1
72.7
69.5
68.7
67.7
78.5
69.7
147.7
143.3
140.2
134.1
129.3.
125.6
121.1
120.2
119.3
136.7
121.6
94.4
91.6
89.8
86.9
84.0
83.1
83.8
80.8
80.9
88.1
82.2
(1) Data presented on a constant FX basis. Quarterly results reflect FX rates as of Q1/23, while full-year results reflect Current Year Average FX rates. Refer to non-GAAP measures on page 7 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com.
(2) Includes results of Mexico, Peru, Colombia, Chile, Brazil, along with results of smaller operations in the region and unallocated expenses.
(3) Refer to Non-GAAP measures on page 4 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com for a description of the measure. Refer to Page 31 of the Supplementary Financial Information Report for a reconciliation.
(4) Ratios are on a reported currency basis.
(5) Refer to page 50 of the Q1 2023 Quarterly Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto.
(6) Provision for credit losses on certain financial assets - loans, acceptances and off-balance sheet exposures.
Scotiabank
Supplementary Financial Information (SFI)
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