Scotiabank Risk Overview
Canadian Retail: Loans and Provisions'
MORTGAGES
1100
101
Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23
LINES OF CREDIT³
70
33
41
48
51
48
36
48
60
57
45
56
32
28
(8)
(6) 10
Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23
PCL as a % of average net loans (bps)²
Loan Balances Q1/23
Spot ($Bn)
% Secured
1 Includes Wealth Management
Mortgages
$302
100%
התות
AUTO LOANS
99
78
39
37
41
39
50
78
4
63
35
45
31
(6) (4) (5)
Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23
CREDIT CARDS5
410
380
288
312
244 267
268
234
310
204
241
240
116
(84) (55) (59)
Q2/21 Q3/21 Q4/21 Q1/22 Q2/22 Q3/22 Q4/22 Q1/23
PCLs on Impaired Loans as a % of average net loans (bps)²
Auto Loans
Lines of Credit³
$41
100%
$34
64%
Credit Cards
$7
2%
Total
$387
95%4
2 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto
3 Includes Home Equity Lines of Credit and Unsecured Lines of Credit
4 84% secured by real estate; 11% secured by automotive
5 Excluding one-time impact of fully provisioned write-offs, Q3/22 PCL ratio on impaired loans is 280 bps
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