International Retail Loans and Provisions

Fiscal 2015 Overview Good performance in 2015 . Net income of $7.2 billion • Diluted EPS of $5.67 ROE of 14.6% Revenue growth of 4% year-over-year Capital position remains strong at 10.3% Quarterly dividend raised twice in fiscal 2015, resulting in a 6% increase Scotiabank® 4

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