Canadian Housing Market Financial Analysis
0.00%
2001
0.50%
2002
2003
1.00%
2004
2005
1.50%
1 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures
2006
PCL Ratio on Impaired Loans
0.00%
2001
0.50%
2002
2003
Historical PCL Ratios on Impaired Loans.
Credit fundamentals remain strong; PCLs on impaired loans in line with long-term average.
1.50%
ALL BANK HISTORICAL PCL RATIO ON IMPAIRED LOANS1
1.00%
2002: Included $454
million related to the
Bank's exposure to
Argentina
2009: Higher PCLs driven
by economic conditions,
event distributed across
business lines. Higher
general allowance and
sectoral allowance
(automotive related)
2006
PCL Ratio on Impaired Loans
2007
2008
CANADIAN BANKING HISTORICAL PCL RATIO ON IMPAIRED LOANS 1
2007
2008
2009
2014
Historical Average - PCL Ratio on Impaired Loans (26 bps)
2015
2016
I
2017
Scotiabank®
30
2009
2010
Historical Average - PCL Ratio on Impaired Loans (44 bps)
2018
2019
YTD
Average: 26 bps
2017
2018
1
2019
YTD
Average: 44 bpsView entire presentation