Financial Performance and Digital Progress Update
International Retail: Loans and Provisions
MEXICO
CHILE
CARIBBEAN AND
CENTRAL AMERICA
MARKETS
WITH
GREATER
148
237
201
138
132
129
158
104
111
103 102
137
133
139 154
133
WEIGHTING
122
106
119
109 121
136
102
98
124
TO SECURED
91
67 65
124
148
133
124
72
78
51
93
128
108
115
95
105
73
96
45
62 71
39 46
Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
PERU
COLOMBIA
MARKETS
466
724 715
WITH
620
GREATER
364 353
375 384
318
454
502
645
307 302
590
617
WEIGHTING
379
389
352
ΤΟ
UNSECURED
274
264 273
307
309 329
451
211
203
304 317
346
289
Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
Q1/22 Q2/22 Q3/22 Q4/22 Q1/23 Q2/23 Q3/23 Q4/23
Loan Balances Q4/23
Spot ($Bn)
% Secured
PCL as a % of average net loans (bps)1
PCLs on Impaired Loans as a % of average net loans (bps)1
Mexico
$20
93%
Chile
Caribbean & CA
Peru
Colombia
Total²
$30
$14
$11
$6
$82
79%
76%
43%
39%
73%
1 Refer to page 136 of the Management's Discussion & Analysis in the Bank's 2023 Annual Report, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is
incorporated by reference hereto
2 Total includes other smaller portfolios
3 Includes benefit of loss sharing agreement with partner related to credit card program
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