Investor Day Summary
PCL RATIOS
Stable all-bank PCL ratios on impaired loans
IAS 39
IFRS 9
Q1/17
Q2/17
Q3/17
Q4/17
Q1/18
Q1/18
PCLs on
(As a % of
PCLs on Impaired Loans
Impaired
PCLS
Average Net Loans & Acceptance)
Loans
Canadian Banking
I
Retail
0.32
0.34
0.31
0.30
0.29
0.28
Commercial
0.21
0.14
0.09
0.07
0.11
0.08
Total
0.30
0.31
0.28
0.27
0.27
0.25
Total Excluding Net Acquisition Benefit
0.31
0.32
0.29
0.28
I
N/A
N/A
International Banking
Retail
2.10
2.19
2.08
2.00
I
2.28
2.39
I
Commercial
0.35
0.51
0.31
0.32
0.28
0.201
I
I
Total
1.21
1.33
1.16
1.14
1.25²
1.261,2
-
Total Excluding Net Acquisition Benefit
1.32
1.45
1.27
1.34
N/A
N/A
Global Banking and Markets
0.04
0.01
0.11
0.04
(0.01)
(0.04)
All Bank
0.45
0.49
0.45
0.42
0.43
0.42
1 Excludes provision for credit losses on debt securities and deposit with banks
2 Not comparable to prior periods, which were net of acquisition benefits
Scotiabank® 17View entire presentation