Q1 2017 Financial Performance slide image

Q1 2017 Financial Performance

Energy Exposures¹ • Committed to our guidance of a cumulative PCL ratio of less than 3%² since 2015 • ● Cumulative PCL ratio of 2.0% as of Q1/172 The Bank has moved past the key issues in the sector Drawn corporate energy exposure of $14.0 billion decreased 10% Q/Q • Approximately 48% investment grade Undrawn commitments of $10.7 billion, down $0.4 billion • Approximately 64% investment grade Focus on select non-investment grade E&P and Services accounts . Approximately two-thirds of focus accounts have issued debt ranking below the Bank's senior position Exposures relate to loans and acceptances outstanding as of January 31, 2017 and to undrawn commitments attributed/related to those (1) drawn loans and acceptances. (2) Cumulative PCL ratio by sector is calculated as total PCLs over the period Q1/15 - Q1/17 divided by the average quarterly exposure over Scotiabank® the period Q1/15 - Q1/17. 25
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