Scotiabank Business Overview and Economic Outlook
Canadian Retail: Loans and Provisions'
Mortgages
Auto Loans
224
216
96
106 91
1 4
4
2
1
89
2
1
1
94
99 105
81
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21
Lines of Credit2
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21
Credit Cards
164
169
1,002
896
80
79
62
385
400 322
60
73
87
74
321
65
377
445
401
312
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21
PCL as a % of avg. net loans (bps)
Loan Balances Q1/21
Mortgages
Spot ($B)
% Secured
$250
100%
1 Includes Wealth Management. PCL excludes impact of additional pessimistic scenario
2 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
3 Includes Tangerine balances of $6 billion and other smaller portfolios
4 82% secured by real estate; 12% secured by automotive
Q1/20 Q2/20 Q3/20 Q4/20 Q1/21
PCLs on Impaired Loans as a % of avg. net loans (bps)
Auto Loans
Lines of Credit²
Credit Cards
Total
$39
100%
$32
$6
$3283
63%
2%
94%4
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