Americas Wholesale Banking Growth and M&A Advisory
International Retail: Loans and Provisions
Markets with
Greater
Weighting to
Secured
MEXICO
1.1x
3031
323
CHILE
0.7x
1911
139
CARIBBEAN & CA
1.1x
2781,2
3062
550 591
556
428
279
321
457
280
191
246 228
208
248
Impaired Avg. 155
181
Impaired Avg.
153 bps
Impaired Avg.
213 bps
326
261
221
160
187
261 bps
238
67
178
267
150
250
251
253 243
154
175 190
141
81
203
205
87
163
70
138
170
165
231 221
204 216
195
Markets with
Greater
Weighting to
Unsecured
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PERU
1.9x
592¹
1,116
2,436
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
COLOMBIA
1.5x
5371
785
1,552
1,338
Q3/19 Q4/19 Q1/20' Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
939
1,290 1,322 1,152
738
970
Impaired Avg.
825 bps
531
471 439
361
Impaired Avg.
532 bps
545
473 471
579
1,065
542
143
764
726
491
361
377 420 406
245
385
470 395
424
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCL as a % of avg. net loans (bps)
Q3/19 Q4/19 Q1/20 Q2/20 Q3/20 Q4/20 Q1/21 Q2/21
PCLs on Impaired Loans as a % of avg. net loans (bps)
Higher impaired PCLs in Peru
and Colombia are driven by
the expiry of deferral
programs and the higher
unsecured balances. This has
been appropriately provided
for in prior quarters.
Average Impaired PCL % (Q3/19-02/21)
Loan Balances Q2/21
Mexico
Peru
Chile
Colombia
Caribbean & CA
Total³
Secured ($B)
$10
$3
$21
$2
$8
$45
Unsecured ($B)
$2
$5
$5
$4
$3
$19
Spot Total ($B)
$12
$8
$26
$6
$11
$64
1 PCL excludes impact of additional pessimistic scenario
2 Excludes impact of divested operations
3 Total includes other smaller portfolios
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