Q3/09 Financial Performance Overview
Scotiabank
(Outstandings at Q3/09, $ billions)
122
Canadian Retail
Loans and Provisions
Total = $164B -- 92% secured
22
11
9
% secured
Mortgages*
100%
Lines of Credit
Personal Loans
Credit Cards**
70%
95%
35%
PCL
Q2/09
Q3/09
Q2/09
Q3/09
Q2/09
Q3/09
Q2/09
Q3/09
SMM
2
1
22
23
67
68
35
45
% of avg.
loans (bps)
1
1
45
41
241
237
158
194
*before securitizations of $18B & mortgages converted to MBS of $20B
54% insured; LTV in mid-50s for uninsured portfolio
** includes $6 billion of Scotialine VISA
45
Scotiabank
(Outstandings at Q3/09, $ billions)
International Retail
Loans and Provisions
10.5
3.1
Personal Loans (total = $6.7B)
Credit Cards (total = $1.9B)
■Mortgages (total = $ 13.3B)
0.9
5.2
1.4
4.0
6.5
-0.4
11
0.1
2.2
3.4
2.8
1.1
0.5
0.6
C&CA*
% of total
48%
Mexico
24%
Chile
Peru
18%
10%
PCL
Q2/09
Q3/09
Q2/09
Q3/09
Q2/09
Q3/09
Q2/09
Q3/09
$MM
33
36
38
46
15
15
39
49
% of avg. loans
(bps)
120
130
302
349
154
149
654
833
Caribbean and Central America
Total Portfolio = $22B -- 78% secured
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