Automotive Finance and ESG Strategies
International Retail: Loans and Provisions
Credit fundamentals remain strong
TOTAL RETAIL²
MEXICO
PERU
216
233
231
208
545
517
443
169
218
432
248
206
203
402
238
199
236
236
235
491
421
154
400 364
372
233
236
225
228
221
1
1
1
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
CARIBBEAN &
CENTRAL AMERICA
CHILE
COLOMBIA
182
170
159
582
151
147
157
141
145
155
155
554
549
531
165
452
156
148
150
532
138
138
134
485
126
120
425
455
377
101
1
1
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
PCL as a % of avg. net loans (bps)
Loan Balances
Q3/19
Spot ($B)
Mexico
$13
Q3/18 Q4/18 Q1/19 Q2/19 Q3/19
PCLs on Impaired Loans as a % of avg. net loans (bps)
Peru
Chile
Colombia
C&CA
Total
$10
$26
$7
$19
$76
1Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans
2Total includes other smaller portfolios
Scotiabank®
34View entire presentation