Investor Presentaiton

Provisions for Credit Losses ($ millions) Q3/14 Q4/141 Q1/15 Q2/15 Q3/15 Canadian Retail 137 225 154 157 165 Canadian Commercial 15 11 11 12 8 Total 152 236 165 169 173 International Retail 206 218 246 242 262 International Commercial 36 118 39 24 31 Total 242 336 285 266 293 Total - Excluding Colpatria credit mark 270 392 301 270 299 Global Banking & Markets 4 2 13 13 14 All Bank 398 574 463 448 480 All Bank - Excluding Colpatria credit mark 426 630 479 452 486 PCL ratio (bps) - Total PCL as % of average loans and BAS 37 53 42 41 42 Scotiabank® (1) Excluding the impact for accelerated loan write-offs for bankrupt retail accounts of $62 million pre-tax (See Appendix - Notable Items), adjusted Q4/14 All Bank PCLs is $512 million and Total Canadian Banking is $174 million. Adjusted All bank PCL ratio is 47bps in Q4/14 27 27

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