International Banking: Second Half 2010 Outlook
Trend in Gross Impaired Loans
($ millions).
6,000
5,000
4,000
3,000
2,000
1,000
Q2/07 Q3/07 Q4/07 Q1/08 Q2/08 Q3/08 Q4/08 Q1/09 Q2/09 Q3/09 Q4/09 Q1/10 Q2/10
GILS ex. R-G
GILS as a % of Loans & BAs ex. R-G
IIIIII R-G Premier Bank
GILS as a % of Loans & BAS
Scotiabank
Canadian Retail: Loans and Provisions
(balances at Q2/10, $ billions)
128
Total = $173B -- 92% secured
24
12
2.00%
1.50%
- 1.00%
0.50%
0.00%
9
41
Mortgages(1)
% secured
PCL
100%
Lines of Credit
69%
Personal Loans
96%
Credit Cards(2)
36%
Q2/10
Q1/10
Q2/10
$ millions
1
1
30
Q1/10
26
Q2/10
60
Q1/10
Q2/10
61
57
Q1/10
52
% of avg.
<1
<1
53
45
208
213
254
221
loans (bps)
(1) Before securitizations of $16 billion & mortgages converted to MBS of $18 billion;
52% insured (including $11 billion portfolio insurance); LTV in mid-50s for uninsured portfolio
Scotiabank
(2) Includes $6 billion of Scotialine VISA
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