International Banking - Annual Overview slide image

International Banking - Annual Overview

NAFTA REVIEW AND CONSIDERATIONS Scotiabank is operating in the right markets across the Pacific Alliance and committed to long term growth • Impact on Pacific Alliance 。 No material impact expected on Peru, Chile, or Colombia 。 Mexico is highly exposed to disruptions in NAFTA, but we do not expect any major negative changes in the trading relationship with the US • Viewpoint 。 NAFTA came into effect in 1994. Much has changed since then in the global economy. Efforts to 'modernize' elements of NAFTA in the areas of e-commerce, intellectual property, and professional labour mobility are welcome 。 Mexico has a strong manufacturing industry with 40 bilateral trade agreements with other countries 。 NAFTA has helped Mexico to advance on a number of meaningful structural reforms in sectors that include Energy, Telecommunications, and Transportation, amongst others, that will support growth 。 Mexico invests heavily in education and produces more engineers each year than Germany Overall Outlook 。 We do not expect a consensus on a 'renegotiated and modernized' NAFTA by the current deadline of end-March 2018, nor do we expect NAFTA to be ripped up with an increase in tariff and non-tariff barriers to trade with the US o Instead, we expect uncertainty over NAFTA to continue through 2018 。 We expect Mexico to continue delivering double-digit loan growth: NAFTA-related uncertainty does not appear to have dented investment so far o Mexico 'mainstreet' continuing to perform well and Scotiabank gaining market share in both retail and commercial activities Scotiabank® | 61
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