Investor Presentaiton
International Retail: Loans and Provisions
$19.0
(Spot Balances as at
Q4/16, $ billions¹)
$1.8
Total Portfolio₁ = $53 billion; 67% secured
$4.5
■Credit Cards ($6.3B)
■Personal Loans ($16.0B)
■Mortgages ($29.4B)
$10.9
$1.3
$9.3
- $0.4
$2.6
$3.3
$7.2
$12.7
$1.2
$5.3
$3.4
$1.6
$6.3
$6.3
$2.2
$2.6
$1.5
C&CA³
3
Mexico
Chile 3
Peru
3
Colombia
PCL²
Q4/16 Q3/16 Q4/16 Q3/16 Q4/16
Q3/16
Q4/16 Q3/16 Q4/16 Q3/16
$ millions
34
52
41
42
25
24
78
72
59
54
% of avg. net
loans (bps)
75
115
186
197
97
101
472
445
460
456
(1) Total Portfolio includes other smaller portfolios
(2)
Excludes Uruguay PCLs of approximately $14 million
(3)
Includes the benefits from Cencosud and Citibank net acquisition benefits. Excluding the net acquisition benefits, C&CA's ratio would be
120 bps for Q4/16 and 134 bps for Q3/16, Chile's ratio would be 144 bps for Q4/16 and 151 bps for Q3/16 and Peru's ratio would be 502
bps for Q4/16 and 487 bps for Q3/16
Scotiabank®
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