Investor Presentaiton
Risk Review
PCLS ($MM) and PCL Ratio (bps)
49
47
45
45
45
571
550
553
587
573
·
Q3/16 Q4/16
Q1/17
Q2/17
Q3/17
•
PCLS
PCL Ratio
GILS1 ($ billions)
Formations ($MM)
788
807
5.3 5.4 5.2 5.4
723
4.9
645
644
Q3/16 Q4/16 Q1/17 Q2/17 Q3/17
(1)
Q3/16 Q4/16 Q1/17 Q2/17 Q3/17
13
•
Year-over-Year Highlights
PCLs are stable and PCL ratio
reported improved performance
Retail PCL ratio in Canada has stabilized
and delinquency rates improved across all
product categories
Good retail trends in International
excluding Colombia
Improved commercial performance in
Canada and International
Cumulative energy loan loss ratio remains
below expectations
Gross impaired loans improved
9% Q/Q1
-
Net impaired loan loss ratio improved 5
bps Q/Q to 0.44%
Net formations down 20% Q/Q
Improvement across all business lines
Market risk-average 1-day all-
bank VaR of $11 million, down Q/Q
No trading loss days in Q3/17
Overall credit fundamentals are
within expectations
Excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G
Premier Bank of Puerto Rico.
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