Scotiabank Earnings and Strategic Update
Credit Performance by Business Lines
Stable underlying credit
Q1/18
Q2/18
(As a % of PCLs on
Total
Average Net Loans & Impaired
PCLS
Acceptance) Loans
PCLs on
Impaired
Loans
Total
PCLS
Q3/18
PCLs on Total PCLs on
Impaired PCLs Impaired
Loans (adj) Loans
Q4/18
Q1/19
PCLs on
Total
Total
Impaired
PCLS
PCLS
Loans
Canadian Banking
Retail 0.29
0.28
0.28
0.28
0.25
0.24
0.25
0.25
0.28
0.28
Commercial
0.11
0.08
0.09
0.09
(0.04)
0.06
0.06
0.15
0.21
0.23
Total
0.27
0.25
0.25
0.25
0.21
0.21
0.22
0.23
0.27
0.27
International Banking
Retail
2.28
2.39
2.26
2.16
2.36
2.253
2.38
2.21
2.33
2.36
Commercial
0.28
0.201
0.55
0.341
0.38 0.311,3
0.07
(0.06)
0.19
0.26
Total
1.25²
1.261,2
1.382
1.221,2
1.33
1.234
1.20
1.05
1.23
1.28
Global Banking and Markets
(0.01)
(0.04)
0.02
(0.05) (0.06)
(0.05) (0.07) (0.09) (0.01)
(0.07)
All Bank 0.43
0.42
0.46
0.42
0.41
0.40
0.42
0.39
0.47
0.47
1 Excludes provision for credit losses on debt securities and deposit with banks
2 Not comparable to prior periods, which were net of acquisition benefits
3 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
Scotiabank®
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