International Retail Loans and Provisions

Canadian Banking - Revenue & Volume Growth Adjusted Revenues¹ (TEB) ($ millions) Average Loans & Acceptances ($ billions) +3%2 Y/Y +7% Y/Y 35 39 39 65 68 70 -16 12 10 2,679 2,859 2,872 173 176 178 797 788 767 Q4/14 481 473 436 Business Q3/15 Q4/15 ■Personal & credit cards 1,476 1,581 1,611 Tangerine mortgage run-off Residential mortgages Average Deposits ($ billions) +5% Q4/14 Q3/15 Q4/15 Y/Y 59 60 62 ■Retail ■Commercial Wealth 145 150 154 €2 (1) Adjusted for Cl contribution (2) Excluding Tangerine run-off portfolio, loans & acceptances increased 6% year-over-year 21 Q4/14 Q3/15 Q4/15 Personal Non-personal Scotiabank®

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