Scotiabank Mexico Business Overview
Canadian Retail: Loans and Provisions'
MORTGAGES
2
1
1 1
1 1
00
1
7
Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22
LINES OF CREDIT³
79
62
65
23
60 57
ག་སྦེ
70
33
41
48
51
36
32
28
(8) (6)
10
Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22
PCL as a % of avg. net loans (bps)²
Loan Balances Q3/22
Spot ($Bn)
% Secured
1 Includes Wealth Management
Mortgages
$301
100%
IIII]
AUTO LOANS
106
91 99
89
39
37
41
39
81
78
35
(6)
31
(5)
Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22
CREDIT CARDS6
400
410
380
322
288
244 267
234
312 321 310
204
116
(84) (55) (59)
Q4/20 Q1/21 Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22
PCLs on Impaired Loans as a % of avg. net loans (bps)²
Auto Loans
Lines of Credit³
$40
100%
$34
65%
Credit Cards
$7
2%
Total
$3834
95%5
2 Refer to page 51 of the Management's Discussion & Analysis in the Bank's Third Quarter 2022 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
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 Includes Tangerine balances of $11 billion and other smaller portfolios
5 84% secured by real estate; 11% secured by automotive
6Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280bps
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