Investor Day Summary slide image

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® 17
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