Quarterly Financial Performance
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Provision for Credit Losses (PCL) by Business Segment
Total PCL ($ millions)
Retail
Commercial (1)
Canadian Banking
Retail
Commercial (2)
International Banking
Global Wealth Management
Global Banking and Markets
Other
PCL on loans, acceptances and off-balance sheet exposures
Canadian Banking
International Banking
Global Banking and Markets
Global Wealth Management
Other
PCL on other financial assets (3)
Total PCL
Provision for Credit Losses as a % of Net Loans and Acceptances (bps) (4)
Retail
Commercial (1)
Canadian Banking
Retail
Commercial (2)
International Banking
Global Wealth Management
Global Banking and Markets
Other
Provision for Credit Losses as a % of Net Loans and Acceptances
Net write-offs as a % of Net Loans and Acceptances (bps) (4)
Retail
Commercial (1)
Canadian Banking
Retail
Commercial (2)
International Banking
Global Wealth Management
Global Banking and Markets
Other
Net write-offs as a % of Net Loans and Acceptances
(1) Includes small business.
(2) Includes small business and corporate.
Q3/23
Q2/23
Q1/23
1&2
3
Stage Stage Total Stage Stage Total
PCL 1&2
PCL
Stage
Q4/22
Q3/22
Stage Total Stage Stage Total Stage Stage Total
3
1 & 2
3
PCL 1&2
3
PCL 1&2
3
PCL
20
221
241 (19) 207
188
29
37
66
14
16
30
49
258
307
(5) 223
218
10
419
429
24
326
350
17
70
87
15
70
85
27
489
516
39
396
435
1
1
2
(1)
3
2
5
(10)
(5)
53
(1)
52
22233
10
175
185
137
137 (58) 143
21
12
33
10
31
187
218
9 306
315
19
18
69
87
27
375
402
(2)
1
13
2
15
1
1
OOOONEE
16
26
10
153
163 (50) 143
257 276
201
16
63
79
35 320
355
2
(1)
1
(11) 22
11
(1)
(1)
82
738
820
87
621
708
74
562
636
35 494 529
-
(1)
I
1
1
2
-
2
(1)
1
1
- w., NW3
262
གླུ་བྷུཧྨདཿསྐྱ་©་ ྣ
85
8
93
243
61
79
322
2
5
(18) (16)
389 404
3
1
I
-
-
(1)
(1)
(1)
1
E-
(1)
1
81
738
819
88
621
709
-
26
2
76 562 638
35 494
529
-
1482
-
4
23 389
8
412
13
23458 13-14
25
17
23
210
29
7
111
-
➢ཀྐཎིཤྩཎྜཱཎྜ^སྱེ'ལྡུ
མངལསྨཎྜ་ཀྱི་སྐྱ
42
38
27
30
27
215
37
118
3
(3) (2)
373262514
(3)
(1)
172
9
272225
24
21
14
10
21
20
184
30
94
36
103
5
15
33
33
37
29
29
-0258754,4
1
19
6
17
167
29
89
៖ - ជី ៨ ៩ 8
15
15
(7) 16
4
19
1
14
172
11
150
161
37
7
28
96
8
81
(4)
1
4
-
4
(3)
INN
89
(2)
33
2
26
28
25T231000
26
+16% 66-1-
4
1
(4) 13
121
147
8
28
36
68
84
2
(6) (5)
21
25252
9
9
8
ន · 3 - ៖ ៩៖៩៨ ន
200
161
2808182
18
16
9
7
16
14
165
154
131
29
17
83
88
76
(1)
(1)
-
2
1
29
29
24
21
CON
17
(8)
12
31
74
6
(11)
(3) Other financial assets include debt securities, deposits with financial institutions, accrued interest and reverse repos.
(4) Refer to page 53 of the Q3 2023 Quarterly Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto.
Scotiabank
Supplementary Financial Information (SFI)
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