Medium-Term Financial Objectives
Credit Performance by Business Lines
Credit fundamentals remain strong
Q3/18
Q4/18
Q1/19
Q2/19
Q3/19
(As a % of
PCLs on Total
PCLs on
PCLs on
Total
Total
Average Net Loans &
Impaired PCLS
Impaired
Impaired
PCLs
PCLS
Acceptances)
Loans
(adj.)
Loans
Loans
PCLs on Total PCLs on
Impaired PCLs Impaired
Loans (adj.) Loans
Total
PCLS
Canadian Banking
Retail
0.25
0.24
0.25
0.25
0.28
0.28
0.31
0.35
0.33
0.30
Commercial
(0.04)
0.06
0.06
0.15
0.21
0.231
0.09
0.061 0.10
0.161
Total 0.21
0.21
0.22
0.23
0.27
0.271
0.28
0.301 0.29
0.271
International Banking
Retail 2.36
2.252
2.38
2.21
2.33
2.36
2.36
2.352 2.48
2.28
Commercial
0.38
0.312
0.07
(0.06)1
0.19 0.261
0.27
Total
1.33
1.232
1.20
1.051
1.23
1.281
0.301,2 0.30
1.29 1.301.2 1.36
0.261
1.241
Global Banking and Markets
(0.06)
(0.05)
(0.07)
All Bank 0.41
0.40
0.42
(0.09)1
0.39
(0.01) (0.07)
0.47 0.47
(0.02)
0.49
(0.02) (0.01) (0.01)
0.51
0.52
0.48
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
Scotiabank. 29View entire presentation