Q1 2010 Scotiabank Risk Review and Outlook
Canadian Retail: Loans and Provisions
(balances at Q1/10, $ billions)
126
Total = $170B -- 92% secured
23
12
9
Mortgages(1)
% secured
100%
Lines of Credit
70%
Personal Loans
96%
Credit Cards(2)
36%
PCL
Q1/10
Q4/09
Q1/10
Q4/09
Q1/10
Q4/09
Q1/10
Q4/09
$ millions
1
(4)
(3)
26
36
60
65
51
60
% of avg.
loans (bps)
<1bp
N/A
45
63
204
229
221
258
(1) Before securitizations of $17 billion & mortgages converted to MBS of $20 billion;
52% insured; LTV in mid-50s for uninsured portfolio
(2) Includes $6 billion of Scotialine VISA
(3) Recovery of provisions for mortgages
reflects lower than expected write-offs
Scotiabank
International Retail: Loans and Provisions
(balances at Q1/10, $ billions)
9.8
Total Portfolio = $21.5B
2.8
76% secured
0.8
Personal Loans (total = $6.7B)
Credit Cards (total = $ 1.8B)
Mortgages (total = $ 13.0B)
4.9
1.2
4.4
42
+0.4
1.5
6.2
- 0.1
2.4
3.3
1.2
2.8
0.5
0.7
C&CA (1)
% of total
48%
Mexico
24%
Chile
Peru
18%
10%
PCL
Q1/10
Q4/09
Q1/10
Q4/09
Q1/10
Q4/09
Q1/10
Q4/09
$ millions
35
31
48
38
22
14
25
38
% of avg.
140
121
403
306
205
136
426
657
loans (bps)
(1) Caribbean and Central America
Scotiabank
39
40View entire presentation