Quarterly Financial Performance
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Provision for Credit Losses (PCL) by Type of Borrower
($ millions)
PCL on Impaired Loans (Stage 3)
Residential mortgages
Personal loans
Credit cards
Personal
Financial Services
Non-bank
Bank
Wholesale and retail
2023
Q3
Q2
Q1
11]
60
Q4
ठ
Q3
2022
Q2
2021
10
Q1
Q4
Full Year
03
Q3
2022
2021
48
26
30
23
(2)
3
25
7
20
49
117
335
312
249
200
192
196
178
222
324
766
1,429
258
197
200
170
155
139
137
183
406
601
1,361
641
535
479
393
345
338
340
412
750
1,416
2,907
23
11
Real estate and construction
35
Energy
Transportation
1
Automotive
2
Agriculture
22
Hospitality and leisure
2
Mining
(11)
Metals
Utilities
Health care
Technology and media
Chemicals
Food and beverage
Forest products
Other
Sovereign
4
(4)
3
(1)
-
6
-
4
-
RONGNNGINIOIN
2525185,213-03 - 4 E
15
3
10
1
24
(2)
(1)
223-02=2223-2
1
5
4
2
(2)
1
11
12
2
6
8
7
1
3
(2)
(1)
1
83
101
44
562
494
389
(29)
གླུ ཨྰཿ སྐྱེ ཥ སྱེཥ ཕ སརྞNN༠༠༤mSརྞ༈༙®
28
(30)
12
(2)
17
21251815-1-0-6'2'5200
9
23
8133
11
17
(2)
(1)
1
1
23
12
7
282512-
2
-
(6)
63275
7
23
1
1
4
2
1
13
-
-
1
-
10
1
1
4
10
16
11
3
9
7
222222322077503484
2
51
(29)
15
25
(3)
13
12
(6)
15
13
14
1
1
65
99
91
278
405
511
841
1,694
3,306
Rཏྤ༄མ་གང་རྐ☁༄ཌ T ༄ ⌘ ལྐ ཀ ཀྵུ བྷཱུ
7
6
10
17
1
Business & Government
97
Total PCL on Impaired Loans (Stage 3)
738
PCL on Performing Loans (Stage 1 and 2) (¹)
Personal
Business & Government
Total PCL on Performing Loans (Stage 1 and 2) (¹)
255
30
3
51
85
81
88
277
19
21
(16)
(122)
(130)
(177)
(360)
(247)
(1,116)
57
14
39
(65)
(53)
(166)
(101)
(65)
(382)
76
35
23
(187)
(183)
(343)
(461)
(312)
(1,498)
Total PCL
819
709
638
529
412
219
222
168
380
1,382
1,808
(1) Includes provision for credit losses on all performing financial assets.
Scotiabank
Supplementary Financial Information (SFI)
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