Global Wealth Management: 2012 Outlook

41 42 Improving Trend in Gross Impaired Loans ($ billions) 3.7 3.6 3.5 3.4 Q1/11 Q2/11 Q3/11 Scotiabank GILS Q4/11 1.2% 1.1% 1.0% 0.9% Q1/12 GILS as % of Loans & BAS Canadian Banking: Retail Loans and Provisions $145 (Balances at Q1/12, $ billions) $23 Total = $190B; 93% secured $13 $9 % secured Mortgages 100% Lines of Credit Personal Loans Credit Cards 66% 98% 36%1 PCL Q1/12 Q4/11 Q1/12 Q4/11 Q1/12 Q4/11 Q1/12 Q4/11 $ millions 5 7 31 28 33 22 43 43 % of avg. 1 2 52 49 104 62 194 221 loans (bps) Scotiabank (1) Includes $6 billion of Scotialine VISA Note: Excludes Wealth Management balances of -$4 billion

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