Investor Presentaiton
Global Registered Covered Bond Program'
LOAN-TO-VALUE RATIOS2
CREDIT SCORES 3
38%
73%
24%
26%
15%
8%
8%
5%
<1%
1%
3%
0-20%
20-40%
40-60%
60-80%
80+%
<599
600-650 651-700 701-750 751-800
800+
REMAINING TERM DISTRIBUTION (MONTHS)
32%
20%
10%
17%
13%
8%
<12
12-23.99 24-35.99 36-41.99 42-47.99
48+
PROVINCIAL DISTRIBUTION
Alberta
9.6%
Saskatchewan
2.1%
Manitoba
1.2%
$103Bn
British Columbia
20.1%
Territories
0.2%
Newfoundland
1.2%
New Brunswick
1.0%
P.E.I.
0.3%
Nova Scotia
2.1%
Québec
4.7%
Ontario
57.8%
1 As at July 31, 2023. Distribution presented is based on Principal Balance. Charts may not add due to rounding; 2 Uses indexation methodology as outlined in Footnote 1 on page 3 of the Scotiabank Global
Registered Covered Bond Monthly Investor Report; 3 Excludes unavailable credit scores
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