PCL Ratios and Provision for Credit Losses Review

INTERNATIONAL RETAIL: LOANS AND PROVISION (Spot Balances as at Q3/18, $B1) Total Portfolio1: $73 billion; 67% secured $24.5 $2.7 $18.3 $5.7 $1.8 Mortgages ($41.4B) $4.5 $12.1 $0.7 Personal loans ($20.8B) $3.4 $8.3 $8.2 Credit cards ($9.2B) $16.1 $1.6 $2.4 $12.0 $3.8 $3.4 $8.0 $2.9 $2.4 PCL2 PCLs on Impaired Loans C&CA Mexico Chile Peru Colombia Q3/18 Q2/18 Q3/18 Q2/18 Q3/18 Q2/18 Q3/18 Q2/18 Q3/18 Q2/18 $ millions 68 43 42 50 63 48 85 84 67 70 % of avg. net loans (bps) 151 101 154 188 182 145 443 470 452 491 PCLs $ millions % of avg. net loans (bps) 126 260 56 56 27 46 46 49 573 40 57 81 82 633 68 64 169 184 1653 170 421 462 4253 478 1 Total Portfolio includes other smaller portfolios 2 2018 amounts are based on IFRS 9 3 Adjusted for acquisition-related costs, including Day 1 PCL impact on acquired performing loans Scotiabank® 33

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