Investor Presentaiton

International Retail Loans and Provisions (Spot Balances as at Q4/15, $ billions¹) (2) $17.6 $1.3 Total Portfolio₁ = $47 billion; 68% secured ■Credit Cards ($5.5B) $3.9 ■Personal Loans ($13.7B) ■Mortgages ($27.2B) $9.0 $8.8 $0.5 $1.0 $2.5 $6.7 $12.4 $2.7 $1.1 $4.3 $3.2 $1.6 $6.0 $5.1 $1.4 $2.4 $1.3 C&CA Mexico Chile Peru Colombia PCL2 Q4/15 Q3/15 Q4/15 Q3/15 Q4/15 Q3/15 Q4/15 Q3/15 Q4/15 Q3/15 $ millions 57 39 50 58 31 28 63 54 39 72 % of avg. net loans (bps) 132 97 226 273 145 140 391 366 395 686 (1) Total Portfolio includes other smaller portfolios Excludes Uruguay PCLs of approximately $12 million 33 Scotiabank®

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