Investor Presentaiton

International Retail Loans and Provisions (Spot Balances at Q3/13, $ billions) $14.1 Total Portfolio = $36.5 billion; 68% secured $1.1 $2.8 Credit Cards ($4.4B) Personal Loans ($10.5B) ■Mortgages ($21.1B) $6.5 $6.4 <0.6 < 0.2 $4.8 $10.2 $1.6 $2.2 $4.2 $0.8 $1.7 $2.6 $4.3 $4.0 $1.3 $1.4 $1.2 C&CA % of total 39% Mexico 18% Chile Peru Colombia 18% 13% 12% PCL Q3/13 Q2/13 Q3/13 Q2/13 Q3/13 Q2/13 Q3/13 Q2/13 Q3/13 Q2/13 $ millions 29 33 36 27 23 24 59 60 25 27 % of avg. 84 100 219 194 141 159 491 527 233 277 loans (bps) Scotiabank Note: Excludes non-material portfolios (1) 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. 37 38 International Banking Commercial Lending Portfolio Q3/13 $58 billion (Average Balances) Asia 34% Latin America 45% Caribbean & Central America 21% Portfolios in Latin America, Asia and Central America: Performing well Well secured Closely managing Caribbean hospitality portfolio Scotiabank

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