Canadian Banking Financial Analysis

CANADIAN RETAIL: LOANS AND PROVISION (Spot Balances as at Q1/19, $B) % secured PCL PCLs on Impaired Loans $216.1 Total Portfolio: $296 billion1; 93% secured² $38.6 $33.6 $7.4 Mortgages Personal Loans³ Lines of Credit Credit Cards 100% 99% 62% 3% Q1/19 Q4/18 Q1/19 Q4/18 Q1/19 Q4/18 Q1/19 Q4/18 $ millions 6 6 71 71 61 % of avg. net loans (bps) 1 1 69 69 75 58 55 63 49 68 349 283 PCLS $ millions 12 0 % of avg. net loans (bps) 2 0 2008 82 73 65 99 55 80 70 81 68 88 43 43 51 241 292 1 Includes Tangerine balances of $6 billion 2 81% secured by real estate; 12% secured by automotive 3 99% are automotive loans Scotiabank® 36

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