Investor Presentaiton
Improving Trend in PCL Ratios
(Specific PCL as % average of loans & BAs) Q1/10
Q2/10
Q3/10
Q4/10
Q1/11
Canadian Banking
Retail
Commercial
Total
0.33
0.36
0.33
0.31
0.29
0.69
0.70
0.39
0.56
0.51
0.37
0.40
0.34
0.34
0.32
International Banking
Retail
2.42
2.45
1.89
2.02
1.76
Commercial
0.50
0.54
0.20
(0.01)
(0.03)
Total
1.20
1.23
0.86
0.77
0.65
Scotia Capital
Corporate Banking
0.15
(0.07)
(0.09)
(0.11)
(0.04)
All Bank
0.55
0.55
0.43
0.41
0.38
Scotiabank
Downward Trend in Specific Provisions
($ millions)
500
400
300
200
100
0
Q1/08 Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Q4/09 Q1/10 Q2/10 Q3/10 Q4/10 Q1/11
Specific PCLS -Specific PCLS as a % of Avg. Loans & BAS
Scotiabank
0.70%
0.60%
0.50%
0.40%
0.30%
0.20%
0.10%
0.00%
39
40View entire presentation