Scotiabank Track Record
PCL Ratios
Total PCL as % of average net loans & BAS
Q1/16
Q2/16
Q3/16
Q4/16
Q1/17
Canadian Banking
Retail
0.28
0.30
0.30
0.31
0.32
Commercial
0.14
0.14
0.20
0.14
0.21
Total PCL
0.26
0.28
0.29
0.28
0.30
Net Interest Margin (%) (2)
2.35
2.38
2.38
2.39
2.39
International Banking
Retail(1)
2.09
2.09
2.13
2.01
2.10
Commercial (1)
0.28 0.97 0.47 0.33 0.35
Total PCL
1.14
1.50
1.26
1.15
1.21
Net Interest Margin (%) (2)
4.57
4.69
4.79
4.77
4.73
Global Banking & Markets
Total PCL
0.27
0.57
0.19
0.19
0.04
Net Interest Margin (%)(2)(3)
1.58
1.60
1.72
1.78
1.63
0.45
0.59(4)
0.47
0.45
0.45
2.38
2.38
2.38
2.40
2.40
All Bank
Total PCL Ratio
Core Banking Margin (%)
(1)
(2)
(3)
Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Net Interest Income (TEB) as % of Average Earning Assets excluding Bankers Acceptances
Corporate Banking only
(4)
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64
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