The Bank of Nova Scotia (BNS:CA) Presents at Barclays 23rd Annual Global Financial

Question-and-Answer SessionYou recently reported 3Q results and your impaired PCL ratio came in well below what you had guided to during 2Q's call. Can you remind us what drove that improvement? Why are you cautious about reading too much into that as you look out into Q4?Philip ThomasGroup Head & Chief Risk Officer Sure, Brian. Thank you. And listen, it's a real pleasure to be here today, and thanks for everybody for attending. Maybe before I get into that question, maybe just a few comments. And we had a ...