Q3 2016 Trading Results and Provisions for Credit Losses
PCL Ratios
(Total PCL as a % of Average Net
Q3/15
Q4/15
Loans & Acceptances)
Q1/16
Q2/16
Q3/16
Canadian Banking
Retail
0.26
0.26
0.28
0.30
0.30
Commercial
0.08
0.15 0.14
0.14
0.20
Total
0.23
0.24
0.26
0.28
0.29
Total-Excluding net acquisition benefit
0.23
0.24
0.28
0.30
0.31
International Banking
Retail (1)
2.37
2.18
2.09
2.09
2.13
Commercial (1)
0.26
0.26
0.28
0.97
0.47
Total
1.27
1.17
1.14
1.50
1.26
Total - Excluding net acquisition benefit
1.29
1.24
1.23
1.63
1.39
Global Banking and Markets
0.08
0.14
0.27
0.57
0.19
All Bank
0.42
0.42 (2)
0.45
0.59 (3)
0.47
(1)
(2)
(3)
Colombia small business portfolio reclassed to Retail from Commercial - prior periods have been restated
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.47
Excludes collective allowance increase; including collective allowance increase, All Bank PCL ratio was 0.64
Scotiabank®
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