Investor Presentaiton
Credit Performance by Business Lines
Credit fundamentals remain strong
Q2/18
Q3/18
Q4/18
Q1/19
Q2/19
(As a % of
Average Net Loans &
PCLs on
Total
Impaired
PCLs on Total PCLs on
Impaired PCLs Impaired
PCLs on
PCLs on
Total
Total
Total
Total
Impaired
Impaired
PCLS
PCLS
PCLS
PCLS
PCLS
Acceptances)
Loans
Loans (adj.) Loans
Loans
Loans
(adj.)
Canadian Banking
Retail
0.28
0.28
0.25
0.24
0.25
0.25
0.28
0.28
0.31
0.35
0.35
Commercial
0.09
0.09
(0.04)
0.06
0.06
0.15
0.21
0.231
0.09
0.061
0.061
Total 0.25
0.25
0.21
0.21
0.22
0.23
0.27
0.271
0.28
0.301
0.301
International Banking
Retail
2.26
2.16
2.36
2.252
2.38
2.21
2.33
2.36
2.36
3.183
2.352
Commercial
0.55
0.341
0.38
0.312
0.07
(0.06)1
0.19
0.261
0.27
0.311, 3
0.301,2
Total
1.38
1.221
1.33
1.23²
1.20 1.051
1.23
1.281
1.29
1.711,3 1.301,2
Global Banking and Markets
0.02
(0.05)
(0.06)
All Bank
0.46
0.42
0.41
0.40
(0.05) (0.07) (0.09)1 (0.01)
0.42
(0.07)
(0.02)
(0.02) (0.02)
0.39
0.47
0.47
0.49
0.61
0.51
1 Excludes provision for credit losses on debt securities and deposit with banks
2 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
3 On a reported basis; includes impact of Day 1 PCLs from acquisitions
Scotiabank® 29
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