2018 Financial Performance
Credit Performance by Business Lines
Stable all-bank PCL ratios on impaired loans
IAS 39 ¦
IFRS 9
Q4/17
Q1/18
Q2/18
Q3/18
Q4/18
PCLs on PCLs on
PCLs on
PCLs on
Total
PCLs on
(As a % of
Total
Total
Total
Average Net Loans & Acceptances)
Impaired Impaired
Loans
Impaired
Impaired
PCLs
Impaired
PCLs
PCLS
PCLS
Loans
Loans
Loans
(adj.)
Loans
I
Canadian Banking
Retail
0.30
0.29
0.28
0.28
0.28
0.25
0.24
0.25
0.25
Commercial
0.07
I
0.11
0.08
0.09
0.09
(0.04)
0.06
0.06
0.15
Total
0.27 I 0.27
0.25
0.25
0.25
0.21
0.21
0.22
0.23
Total Excluding Credit Mark
0.28
| ΝΙΑ
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
International Banking
Retail
2.00
2.28
2.39
2.26
2.16
2.36
2.254
2.38
2.21
I
Commercial
0.32
I
0.28
0.201
0.55
0.341
0.38
0.311,4 0.07
(0.06)
I
Total
1.14
| 1.25²
1.261,2
1.382
1.221,2
1.33
1.234
1.20
1.05
Total Excluding Credit Mark
1.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
|
Global Banking and Markets
0.04
(0.01)
(0.04)
0.02
(0.05)
All Bank
0.42
0.43
0.42
0.46
0.42
0.41
(0.06) (0.05)
0.40
(0.07) (0.09)
0.42
0.39
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 reported basis; includes impact of Day 1 PCLs from acquisitions
4 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
Scotiabank®
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