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Investor Presentaiton

CR4: Standardized approach - credit risk exposures and Credit Risk Mitigation (CRM) effects a b C (in $ millions) Exposures before CCF and CRM d (1) Exposures post-CCF and CRM e f RWA and RWA density On-balance Asset classes sheet amount Off-balance sheet amount On-balance sheet amount Off-balance sheet amount RWA RWA density Q1 2023 Basel III 1 Bank 4,541 377 4,520 25 4,010 88% 2 Corporate 51,035 23,882 47,294 5,196 49,195 94% 3 Sovereign 10,343 624 10,343 1 510 5% 4 Real Estate Secured 67,124 1,093 67,124 27,212 41% 5 Other Retail 49,126 35,336 48,912 863 36,806 74% 6 Equity 2,873 2,873 3,045 106% 7 Other Assets (2) 65,749 65,749 16,525 25% 8 Total 250,791 61,312 246,815 6,085 137,303 54% Q4 2022 Basel III 1 Bank 3,774 301 3,752 26 3,037 80% 2 Corporate 51,215 22,428 48,804 4,967 50,875 95% 3 Sovereign 8,718 791 8,718 34 643 7% 4 Real Estate Secured 63,054 1,073 63,054 25,499 40% 5 Other Retail 47,456 34,148 47,242 847 35,456 74% 6 Equity 3,643 3,643 3,861 106% 7 Other Assets (2) 77,086 77,086 14,736 19% 8 Total 254,946 58,741 252,299 5,874 134,108 53% Q3 2022 Basel III 1 Bank 3,161 475 2 Corporate 49,970 21,624 3,140 47,910 128 2,597 80% 4,488 49,342 94% 3 Sovereign 8,703 575 8,703 566 7% 4 Real Estate Secured 59,760 1,048 59,760 24,119 40% 5 Other Retail 46,268 34,593 46,070 821 34,509 74% 6 Equity 4,115 4,114 4,362 106% 7 Other Assets (2) 66,773 66,773 15,421 23% 8 Total 238,750 58,315 236,470 5,437 130,916 55% (1) Includes adjustments for credit risk mitigation based on the application of the Comprehensive Approach for collateral. (2) Exposures to CCP and risk-weighted threshold deductions are excluded. Scotiabank Supplementary Regulatory Capital Disclosure Page 38 of 88
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