Global Wealth Management: 2012 Outlook

43 44 International Retail Loans and Provisions $13.7 $0.8 $2.9 Total Portfolio = $27.7B 74% secured (Balances at Q1/12, $ billions) Credit Cards ($2B) Personal Loans ($8.1B) Mortgages ($17.6B) $10.0 $4.6 $4.9 $0.1 $4.5 <$0.3 $0.9 $1.7 $0.8 $3.4 $3.1 $2.6 $1.1 % of total C&CA 49% Mexico 17% Chile Peru (+Other) 18% 16% PCL Q1/12 Q4/11 Q1/12 Q4/11 Q1/12 Q4/11 Q1/12 Q4/11 $ millions 29.5 47.0 27.1 32.0 21.4 14.2 46.6 36.2 % of avg. 86 143 233 264 175 114 436 385 loans (bps) Scotiabank International Commercial Lending Portfolio Q1/12 = $44 billion • Well secured • . Other 7% Mexico 11% Peru 13% Chile 15% Asia/Pacific (10 countries) 30% Caribbean & -Central America 24% Portfolios in Asia/Pacific, Mexico, Chile, Peru and Central America performing well Closely managing Caribbean hospitality portfolio Scotiabank

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