Q3 2014 Overview

Canadian Banking Retail: Loans and Provisions $189 (Spot Balances at Q3/14, $ billions) Total Portfolio = $250 billion¹; 93% secured $31 $26 $4 % secured Mortgages 100% Lines of Credit 62% Personal Loans 99% Credit Cards 7% PCL Q3/14 Q2/14 Q3/14 Q2/14 Q3/14 Q2/14 Q3/14 $ millions 4 3 48 41 51 49 34 Q2/14 34 % of avg. 1 1 61 55 82 87 330 355 loans (bps) 1) Includes Tangerine balances of $21 billion 29 Scotiabank International Banking Retail: Loans and Provisions (Spot Balances at $14.4 Q3/14, $ billions) $1.1 $3.0 Total Portfolio¹ = $40.0 billion; 68% secured Credit Cards ($4.7B) ■Personal Loans ($11.5B) ■Mortgages ($23.3B) $7.6 $7.0 <<$0.7 $0.2 $1.8 $5.3 $2.3 $5.2 $10.3 $0.7 $2.0 $2.8 $5.1 $4.5 $1.6 $1.8 $1.6 C&CA Mexico Chile Peru Colombia² PCL Q3/14 Q2/14 Q3/14 Q2/14 Q3/14 Q2/14 Q3/14 Q2/14 Q3/14 Q2/14 $ millions 37 29 45 54 13 15 67 64 34 25 % of avg. 107 85 238 308 76 91 527 532 277 223 loans (bps) (1) Total Portfolio includes less-material portfolios (2) Purchased portfolio recorded at fair value, which includes a discount for expected credit losses. The bank expects to see increased provisions as the purchased portfolio in Colombia rolls over and reaches a steady state. 30 Scotiabank 15

View entire presentation