Investor Presentaiton
PCL Ratios
(Total PCL as a % of Average Net
Q1/15
Q2/15
Q3/15
Q4/15
Q1/16
Loans & Acceptances)
Canadian Banking
Retail
0.24
0.25
0.26
0.26
0.28
Commercial
0.12
☐ 0.13 0.08 0.15
0.14
Total
0.23
0.24
0.23
0.24
0.26
International Banking
Retail (1)
2.37
2.28
2.37
2.18
2.09
Commercial (1)
0.35
0.19
0.26
0.26
0.28
Total
1.33
1.19
1.27
1.17
1.14
Total - Excluding credit marks
1.40
1.21
1.34
1.29
1.24
Global Banking and Markets
0.08
0.08
0.08
0.14
0.27
All Bank
0.42
0.41
0.42
0.42 (2)
0.45
(2)
€2
(1) Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.47
Scotiabank®
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