Scotiabank Earnings Report
45
46
Canadian Banking Retail: Loans and Provisions
$156
(Spot Balances at Q4/12, $ billions)
Total = $207 billion'; 93% secured
$25
$17
$9
% secured
Mortgages
100%
Lines of Credit
66%
Personal Loans
Credit Cards²
98%
37%
PCL
Q4/12
Q3/12
Q4/12
Q3/12
Q4/12
Q3/12
Q4/12
Q3/12
$ millions
4
7
24
28
40
33
32
35
% of avg.
1
2
39
45
97
84
141
158
loans (bps)
Scotiabank
(1)
(2)
Includes Wealth Management balances of -$3.5 billion
Includes $6 billion of Scotialine VISA
International Retail Loans and Provisions
$13.2
$0.8
$2.9
Total Portfolio = $33 billion
68% secured
Credit Cards ($3.3B)
Personal Loans ($10.1B)
■Mortgages ($19.2B)
$5.8
$0.1
$5.0
$4.7
$9.5
<<$0.3 $2.1
$1.0
$0.8
$3.9
$1.3
$2.7
$3.7
$3.6
$1.4
$1.2
$1.2
% of total
C&CA
40%
Mexico
15%
Chile
Peru
Colombia¹
18%
14%
11%
PCL
Q4/12 Q3/12 Q4/12
$ millions
35
28
21
19
Q3/12 Q4/12 Q3/12
17
Q4/12 Q3/12 Q4/12
Q3/12
16
55
60
16
18
% of avg.
loans (bps)
105
85
169
156
111
125
483
564
163
197
Scotiabank (1)
Note: Excludes non-material portfolios
Includes the impact of Colombian purchased portfolio. The Bank expects the PCL ratio to rise with the
maturity of the acquired portfolio. See pg 24 Purchased loans note of the 2012 Annual Report.View entire presentation