Global Wealth Management: 2012 Outlook

39 40 Stable PCL Ratios (Total PCL as % of average loans & BAs) Q1/11 Q2/11 Q3/11 Q4/11 Q1/12 Canadian Banking Retail 0.29 0.28 0.22 0.22 0.23 Commercial 0.50 0.36 0.66 0.45 0.36 Total 0.32 0.29 0.27 0.25 0.25 International Banking Retail 1.76 1.95 1.83 1.98 1.90 Commercial (0.03) (0.04) 0.09 0.25 0.00 Total 0.69 0.70 0.73 0.87 0.65 Global Banking and Markets Corporate Banking (0.04) 0.15 0.12 0.21 0.06 All Bank (Collective & Individual) 0.36 0.36 0.35 0.38 0.32 Scotiabank Stable Trend in Net Impaired Loan Formations ($ millions) 500 419 400 372 300 200 100 276 254 228 0 Q1/11 Q2/11 Q3/11 Q4/11 Q1/12 Scotiabank

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