Investor Presentaiton

Provisions for Credit Losses ($ millions) Q2/15 Q3/15 Q4/15 Q1/16 Q2/16 Canadian Retail 157 165 166 181 190 Canadian Commercial 12 8 14 13 14 Total Canadian Banking 169 173 180 194 204 Total - Excluding net acquisition benefit 170 174 180 212 221 International Retail 242 262 252 252 250 International Commercial 24 31 32 39 130 Total International Banking 266 293 284 291 380 Total - Excluding net acquisition benefit 269 299 301 315 415 Global Banking and Markets 13 14 27 54 118 All Bank 448 480 491 539 702 All Bank - Excluding net acquisition benefit 452 487 508 581 754 Increase in Collective Allowance 0 0 60 0 50 All Bank 448 480 551 539 752 PCL ratio (bps) - Total PCLS as a % of Average Net Loans & Acceptances Excluding Collective Allowance 41 42 42 45 59 Including Collective Allowance 41 42 47 45 64 Scotiabank® 27 27

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