Investor Presentaiton
PCL RATIOS
Credit fundamentals remain strong
Q3/18
Q4/18
Q1/19
Q2/19
Q3/19
(As a % of
Average Net Loans &
PCLs on
Total
PCLs on
PCLs on
PCLs on Total PCLs on
Total
Total
Total
Impaired PCLS
Impaired
Impaired
PCLS
PCLS
Acceptances)
Loans
(adj.)
Loans
Loans
Impaired PCLs Impaired
Loans (adj.) Loans
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
0.301,2
0.30
0.261
Total
1.33
1.232
1.20
1.051
1.23
1.281
1.29 1.301,2 1.36
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)
0.47
(0.07) (0.02)
0.47 0.49
0.52
(0.02) (0.01) (0.01)
0.51
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. | 14View entire presentation