International Banking Revenue and Loan Growth
Q4 2018 CANADIAN RESIDENTIAL MORTGAGES
Credit fundamentals remain strong
NEW ORIGINATIONS UNINSURED LTV* DISTRIBUTION
GVA
59%
Q4/17
Q3/18
Q4/18
Canada
Total Originations ($B)
12.9
11.9
10.5
Uninsured LTV
64%
63%
63%
GTA
62%
GTA
BC &
Territories
Total Originations ($B)
Uninsured LTV
3.9
3.6
3.2
63%
62%
62%
61%
GVA
Atlantic
Prairies 67%
ON
QC
Provinces
63%
65%
69%
Total Originations ($B)
Uninsured LTV
1.8
1.4
1.1
61%
60%
59%
*Average LTV ratios for our uninsured residential mortgages originated during the quarter
FICO® DISTRIBUTION - CANADIAN UNINSURED PORTFOLIO
Average FICO
Score
Canada
787
GTA
790
GVA
790
57%
16%
11%
12%
4%
< 635
636-706
707-747
748-788
> 788
FICO is a registered trademark of Fair Isaac Corporation
<0.65% of uninsured portfolio has a
FICO® score of <620 and an LTV >65%
Canadian uninsured mortgage portfolio
is $121 billion as at Q4/2018
Scotiabank®
36View entire presentation