Investor Presentaiton
International Retail: Loans and Provisions
MEXICO
CHILE
CARIBBEAN AND
CENTRAL AMERICA
MARKETS
WITH
GREATER
173
237
132
212
138
129
201
104
111
103 102
158
139 154
WEIGHTING
122
133
195
133
121
119
109
120
102
98 91
106
TO SECURED
64
72
78
67
65
133
124
73
51
124
148
108
115
95
71
93
45
963
62
39 46
31
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
PERU
COLOMBIA
760
MARKETS
WITH
GREATER
534
WEIGHTING
364 353
375
384
724
318
715
ΤΟ
UNSECURED
274
307 302
273 307
264
379
492
502
352 309 329
389
590 645
211
203
451
256 289 304 317 346
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23
PCL as a % of average net loans (bps)1
PCLs on Impaired Loans as a % of average net loans (bps)1
Loan Balances Q3/23
Spot ($Bn)
% Secured
Mexico
$19
93%
Chile
Caribbean & CA
Peru
Colombia
Total²
$31
79%
$13
76%
$11
$6
$81
42%
39%
73%
1 Refer to page 53 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto
2 Total includes other smaller portfolios
3 Includes benefit of loss sharing agreement with partner related to credit card program
50
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