International Banking and Growth

International Banking - Regional Growth Revenues (TEB) ($ millions) Average loans & acceptances ($ billions) +5% +10% Y/Y Y/Y 2,1061 2,075 27 27 28 1,985 84 81 74 52 57 59 584 605 571 Q1/14 Q4/14 Q1/15 Latin America ■Caribbean & Central America Constant FX 1,330 1,441 1,396 Retail Commercial² Total Loan Volumes Y/Y Latin America 13% 11% 12% C&CA 1% -9% -4% Q1/14 Q4/14 Asia Q1/15 Total 9% 5% 7% ■Caribbean & Central America ■Latin America (1) Excluding $47 million pre-tax write-down related to Venezuela in Q4/14 - (See Appendix - Notable Items) (2) Excludes bankers acceptances 20 Scotiabank®

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