Investor Presentaiton

35 Canadian Banking Retail: Loans and Provisions $189 (Spot Balances at Q3/13, $ billions) Total Portfolio = $243 billion; 94% secured $30 $21 $3 % secured Mortgages 100% Lines of Credit 1 63% Personal Loans 98% Credit Cards 7% PCL Q3/13 Q2/13 Q3/13 Q2/13 Q3/13 Q2/13 Q3/13 Q2/13 $ millions 8 5 38 40 34 40 23 23 % of avg. loans (bps) 2 1 49 53 70 90 259 269 1) Includes $6 billion of ScotiaLine VISA re-allocated from Credit Cards to Lines of Credit in Q2/13 Scotiabank Gross Impaired Loans ($ billions) 3.7 3.6 3.5 3.4 =4 3.3 3.2 3.1 3.0 Q2/11 Q3/11 Q4/11 Q1/12 Q3/12 Q4/12 I GILS Q1/13 1.15% 1.10% 1.05% 1.00% 0.95% 0.90% 0.85% 0.80% 2 Q2/13 Q3/13 -GILS as % of Loans & BAs (1) Excludes Federal Deposit Insurance Corporation (FDIC) guaranteed loans related to the acquisition of R-G Premier Bank of Puerto Rico Scotiabank (2) Decline in ratio in Q1/13 primarily due to ING DIRECT acquisition 36

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