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Investor Presentaiton

International Retail: Loans and Provisions (balances at Q3/10, $ billions) 13.3 3.0 Total Portfolio = $25B; 77% secured 0.9 Personal Loans (total = $7.0B) Credit Cards (total = $1.9B) ■Mortgages (total = $16.5B) 5.1 4.5 9.4 1.1 +0.4 1.6 2.5 + 0.1 3.6 1.3 2.8 0.5 0.7 C&CA (1) Mexico Chile Peru % of total 52% 20% 17% 11% PCL Q3/10 Q2/10 Q3/10 Q2/10 Q3/10 Q2/10 Q3/10 Q2/10 $ millions 24 31 46 41 17 22 31 31 % of avg. 83 130 376 346 153 208 500 538 loans (bps) (1) Caribbean and Central America - includes R-G Premier Bank Scotiabank International Commercial: Lending Portfolio Q3/10 = $36 billion Well secured Other 6% Mexico 11% Chile 15% Peru 12% Asia/Pacific -(10 countries) 26% Caribbean & -Central America 30% • Portfolios in Asia/Pacific, Mexico, Chile, Peru and Central America performing well Closely monitoring Caribbean hotel exposures Scotiabank 41 42
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