Investor Presentaiton
PCL RATIOS
Stable all-bank PCL ratios on impaired loans
IAS 39
IFRS 9
Q3/17 Q4/17
Q1/18
Q2/18
Q3/18
(As a % of
PCLs on
PCLs on
PCLs on
Total
Total
Average Net Loans &
Acceptance)
PCLs on
Impaired Loans
Total
Total
Impaired
Impaired
Impaired PCLS
PCLS
PCLS
PCLS
Loans
Loans
Loans
(rep)
(adj)
Canadian Banking
Retail
0.31
0.30
0.29
0.28
0.28
0.28
0.25
0.24
0.24
Commercial
0.09
0.07
0.11
0.08
0.09
0.09
(0.04)
0.06
0.06
Total
0.28
0.27
0.27
0.25
0.25
0.25
0.21
0.21
0.21
Total - Excluding Credit Mark
0.29
0.28
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
International Banking
Retail
2.08
2.00
2.28
2.39
2.26
2.16
2.36
4.69
2.25
Commercial
0.31
0.32
0.28
0.201
0.55
0.341
0.38
0.66
0.311
Total
1.16
1.14
1.25²
1.261,2
1.382
1.221,2
1.33
2.583
1.234
Total Excluding Credit Mark
1.27
1.34
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Benefits
Global Banking and Markets
0.11
0.04
(0.01)
(0.04)
0.02
(0.05)
(0.06) (0.05)
(0.05)
All Bank
0.45
0.42
0.43
0.42
0.46
0.42
0.41
0.69
0.40
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
3 On an reported basis; includes impact of Day 1 PCLs from acquisitions
4 On an adjusted basis; adjusted for Day 1 PCLs from acquisitions
Scotiabank
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