International Banking Revenue and Loan Growth
PROVISION FOR CREDIT LOSSES
IAS 39 !
IFRS 9
I
($MM)
Q4/17
Q1/18
Q2/18
Q3/18
Q4/18
PCLs on PCLs on
Impaired Impaired
Total
PCLs on
Impaired
Total
PCLs on Total PCLs on
Total
PCLS
Impaired PCLs Impaired
PCLS
PCLs
Loans Loans
Loans
Loans (adj.) Loans
Canadian Banking
I
Canadian Retail
210
206
200
193
193
179
174
181
179
I
Canadian Commercial
8
14
10
11
12
(5)
7
7
19
Total Canadian Banking
218
220
210
204
205
174
181
188
198
Total Excluding Credit Mark Benefits
224
N/A
N/A
N/A
N/A
N/A
N/A
International Banking
International Retail
265
306
320
308
294
337
3204
412
384
International Commercial
45
40
241
80
461
60
471,4
13
(12)
Total
310
3462
3441,2
3882
3401,2
3972
3671,2,4
425
372
-
Total Excluding Credit Mark Benefits
365
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Global Banking and Markets
8
(2)
(9)
3
(11)
(12)
(10)
(17)
(21)
Other
(1)1
11
411
411
All Bank
536
564
544
595
534
559
539
637
590
1 Includes provision for credit losses on debt securities and deposit with banks of $41 million (Q1/18: -$5 million, Q2/18: -$4 million, Q3/18: $Nil) in International Banking and $1 million (Q1/18: -$1 million, Q2/18: $Nil, Q3/18: $1 million) in Other
2 Not comparable to periods prior to Q1/18, which were net of acquisition benefits
3 Figures on an reported basis; includes impact of Day 1 PCLs from acquisitions
4 Figures on an adjusted basis; adjusted for Day 1 PCLs from acquisitions
Scotiabank®
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