Scotiabank Risk Overview
Canadian Residential Mortgages
Canadian Mortgage Portfolio 12: $302Bn
% of
portfolio
167.1
22.8
84%
Freehold
Freehold $255Bn
-
(84%)
Condos $47Bn
(16%)
60.2
144.3
32.6
16.8
20.3
11.7
3.8
10.3
43.4
2.9
0.3
0.7
28.8
17.4
11.4
9.6
Ontario
BC & Territories
Alberta
Quebec
Atlantic
Provinces
Manitoba &
Saskatchewan
55.3%
20.0%
10.8%
6.6%
3.9%
3.4%
Maturity Schedule - Total Canadian Mortgages ($Bn)
91.1
■Fixed Variable
72.1
64.4
40.2
7.3
Total
Portfolio 1,2
$302Bn
New GTA/GVA Mortgage Originations
16%
Condos
Q1/22
Q4/22
Q1/23
Greater Toronto Area
49.3
32.6
23.2
2.4
57.1
3.7
50.9
18.9
Total Originations ($Bn)
Uninsured LTV3
Greater Vancouver Area
6.0
3.5
2.5
63%
63%
63%
30.2
8.5
19.5
22.8
10.4
Total Originations ($Bn)
2.5
1.3
1.0
Uninsured LTV3
64%
62%
62%
FY23
FY24
FY25
FY26
FY27
FY28+
Asset yields on variable rate mortgages reprice with each change to Scotiabank's prime rate
1Includes Wealth Management
2 Spot Balances at Q1/23, may not add due to rounding
3 Average LTV ratios for our uninsured residential mortgages originated during the quarter
224
24View entire presentation