2013 Q1 Earnings Presentation

Downward Trend in Gross Impaired Loans % ($ billions) 3.7 1.20% 1.15% 3.6 1.10% 3.5 1.05% 3.4 1.00% 3.3 0.95% 3.2 0.90% 3.1 0.85% 3.0 0.80% Q1/11 Q2/11 Q3/11 Q4/11 Q1/12 Q2/12 Q3/12 Q4/12 Q1/132 GILS -GILS as % of Loans & BAs (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Scotiabank (2) Decline in ratio in Q1/13 primarily due to ING DIRECT acquisition 35 36 Canadian Banking Retail: Loans and Provisions $188 (Spot Balances at Q1/13, $ billions) $24 Total = $238 billion'; 94% secured $17 $9 % secured Mortgages 100% Lines of Credit 65% Personal Loans 98% Credit Cards 36% PCL Q1/13 Q4/12 Q1/13 Q4/12 Q1/13 Q4/12 Q1/13 $ millions 5 4 25 24 39 40 39 Q4/12 32 % of avg. 1 1 40 39 88 97 173 141 loans (bps) (1) Includes ING DIRECT balances of $29 billion Scotiabank (2) Includes $6 billion of Scotialine VISA

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