International Banking and Growth

(1) PCL Ratios (Total PCL as % of average loans & Q1/14 Q2/14 Q3/14 Q4/141 Q1/15 BAS) Canadian Banking Retail 0.19 0.21 0.22 0.35 0.24 Commercial 0.21 _ 0.16 0.17 0.13 0.12 Total 0.19 0.20 0.21 0.33 0.23 International Banking Retail 2.06 2.10 2.14 2.20 2.41 Commercial 0.29 0.32 0.33 1.08 0.35 Total 1.11 1.16 1.19 1.62 1.33 Total - Excluding Colpatria credit mark 1.37 1.29 1.31 1.89 1.40 Global Banking & Markets 0.03 0.04 0.02 0.02 0.08 All Bank 0.34 0.36 0.37 0.53 0.42 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 PCL ratio is 0.47 and Total Canadian Banking is 0.24 14 Scotiabank®

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