PCL Ratios and Provision for Credit Losses Review

CANADIAN RETAIL: LOANS AND PROVISION (Spot Balances as at Q3/18, $B) $212.1 Total Portfolio: $291 billion1; 93% secured² $38.4 $33.6 $7.3 Mortgages Personal Loans4 Lines of Credit Credit Cards % secured PCL3 100% 99% 62% 3% Q3/18 Q2/18 Q3/18 Q2/18 Q3/18 Q2/18 Q3/18 Q2/18 PCLs on Impaired Loans $ millions 3 4 64 % of avg. net loans (bps) 1 1 63 201 62 64 799909 56 59 56 68 78 330 431 PCLS $ millions 1 9 2 560 67 66 66 69 665 60 75 པཉྩ 59 46 46 59 77 269 370 % of avg. net loans (bps) 1 Includes Tangerine balances of $7 billion 2 81% secured by real estate; 12% secured by automotive 3 2018 amounts are based on IFRS 9 4 99% are automotive loans Scotiabank 32

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