Investor Presentaiton

Provisions for Credit Losses ($ millions) Q4/141 Q1/15 Q2/15 Q3/15 Q4/15 Canadian Retail 225 154 157 165 166 Canadian Commercial 11 11 12 8 14 Total 236 165 169 173 180 International Retail 218 246 242 262 252 International Commercial 118 39 24 31 32 Total 336 285 266 293 284 Total - Excluding Colpatria credit mark 392 301 270 299 284 Global Banking and Markets 2 13 13 14 27 All Bank 574 463 448 480 491 All Bank - Excluding Colpatria credit mark 630 479 452 486 491 Increase in Collective Allowance 0 0 0 0 60 All Bank 574 463 448 480 551 PCL ratio (bps) - Total PCLs as a % of Average Net Loans & Acceptances Excluding Collective Allowance 53 42 41 42 42 Including Collective Allowance 53 42 41 42 47 (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 Scotiabank® 28

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