Strategy in Action Investor Presentation
Downward Trend in Gross Impaired Loans %
($ billions)
3.7
1.20%
1.15%
3.6
1.10%
3.5
1.05%
3.4
1.00%
3.3
0.95%
3.2
0.90%
3.1
0.85%
3.0
0.80%
Q1/11
Q2/11
Q3/11
Q4/11
Q1/12
Q2/12
Q3/12
Q4/12
Q1/132
GILS
-GILS as % of Loans & BAs
(1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the
acquisition of R-G Premier Bank of Puerto Rico
Scotiabank
(2) Decline in ratio in Q1/13 primarily due to ING DIRECT acquisition
35
36
Canadian Banking Retail: Loans and Provisions
$188
(Spot Balances at Q1/13, $ billions)
$24
Total = $238 billion'; 94% secured
$17
$9
% secured
Mortgages
100%
Lines of Credit
65%
Personal Loans
98%
Credit Cards
36%
PCL
Q1/13
Q4/12
Q1/13
Q4/12
Q1/13
Q4/12
Q1/13
$ millions
5
4
25
24
39
40
39
Q4/12
32
% of avg.
1
1
40
39
88
97
173
141
loans (bps)
(1)
Includes ING DIRECT balances of $29 billion
Scotiabank (2) Includes $6 billion of Scotialine VISAView entire presentation