International Retail Loans and Provisions

Canadian Banking - Net Interest Margin 2.26% 2.25% 2.26% 2.15% 2.16% 1.59% 1.59% 1.60% 1.50% 1.47% 0.90% 0.95% 0.92% 0.90% 0.89% Q4/14 Q1/15 Q2/15 Q3/15 Q4/15 Total Canadian Banking Margin -Total Earning Assets Margin Total Deposits Margin Year-over-Year Net Interest Margin was up 11bps, driven primarily from higher earning asset margin, partly offset by deposit margin compression. Scotiabank® 22 22

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