International Retail Loans and Provisions

Core Banking Margin (TEB)1 2.39% 2.41% 2.41% 2.40% 2.35% Quarter-over-quarter The decline in core banking margin was driven by lower asset/liability management activities and the impact of higher volumes of lower yielding deposits with financial institutions Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 (1) Represents net interest income (TEB) as a % of average earning assets excluding bankers acceptances and total average assets relating to the Global Capital Markets business within Global Banking & Markets 20 20 Scotiabank®

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