Investor Day Summary
CANADIAN BANKING: RETAIL EXPOSURES
Retail loan portfolio -93% secured: 80% real estate and 13% automotive
• Residential mortgage portfolio is well-managed
。 47% insured, and the remaining 53% uninsured has a LTV of 54% 1
⚫ Credit card portfolio is approximately $7.0 billion,
reflecting ~2% of domestic retail loan book or 1.3% of
the Bank's total loan book
o Organic growth strategy that is focused on payments and deepening
customer relationships
~80% of growth is from existing customers (penetration rate low-30s
versus peers in the low-40s)
○ Strong risk management culture with specialized credit card teams,
customer analytics and collections focus
Auto loan book is approximately $36 billion
○ Market leader and portfolio is structurally different than peers with 7 OEM
relationships (3 exclusive)
o Prime Auto and Leases (~92%)
DOMESTIC
RETAIL LOAN
BOOK
$282B
o Lending terms have been declining with contractual terms averaging 72
months but effective terms are 48 months
5%
1 LTV calculated based on the total outstanding balance secured by the property. Property values indexed using Teranet HPI data.
Unsecured
2%
Credit Cards
80%
Real Estate
Secured Lending
-13%
Automotive
Scotiabank | 19View entire presentation