Investor Presentaiton
Canadian Banking: Retail Exposures
High quality retail loan portfolio: ~92% secured
• Residential mortgage portfolio is high quality
。 43% insured, and the remaining 57% uninsured has a LTV of 54%¹
• Market leader in auto loans
。 $37 billion auto loan portfolio with 7 OEM relationships (3 exclusive)
o Prime Auto and Leases (~91%)
。 Lending terms have been declining with contractual terms averaging 77
months with effective terms averaging 54 months
• Growth opportunity in credit cards
o $7.3 billion credit card portfolio represents ~3% of domestic retail loan
book and 1.3% of the Bank's total loan book
Organic growth strategy focused on payments and deepening customer
relationships
。 Upside potential from existing customers: ~80% of growth is from existing
customers (penetration rate mid-30s versus peers in the low-40s)
。 Strong risk management culture with specialized credit card teams,
customer analytics and collections focus
5%
DOMESTIC
RETAIL LOAN
BOOK
$286.2B
1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data.
Unsecured
3%
Credit Cards
79%
Real Estate
Secured Lending
-13%
Automotive
Scotiabank® 19View entire presentation