Q3 2014 Overview

International Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average loans & acceptances ($ billions) +11% Y/Y +5% 18 18 Y/Y 16 21 21 1,891 19 1,874 1,800¹ 100 101 97 58 67 65 436 427 443 1,260 1,338 1,363 Q3/13 Q2/14 Q3/14 Business Residential mortgages Personal & credit cards Average deposits 2 ($ billions) 23 +12% Y/Y 25 25 25 25 Q3/13 Q2/14 Q3/14 47 39 44 Income from investments in associated corps Non-interest revenue Q3/13 Q2/14 Q3/14 Net interest income ■Non-personal Personal (1) Excluding non-recurring gain from associated company of $203 million before tax (2) Including deposits from banks 21 Scotiabank International Banking - Regional Growth Revenues (TEB) ($ millions) Average loans & acceptances ($ billions) +11% Y/Y +5% 24 22 Y/Y 20 27 26 25 174 185 1621 48 55 56 482 501 503 Q3/13 Q2/14 Q3/14 Latin America Caribbean & Central America Asia Constant FX Retail Commercial² Total 1,135 1,218 1,205 Loan Volumes Y/Y Latin America 14% 14% 14% C&CA 1% -8% -3% Q3/13 ■ Asia Latin America Q2/14 Q3/14 Asia N/A 8% 8% Caribbean & Central America Total 9% 8% 8% (1) Excluding non-recurring gain from associated company of $203 million before tax (2) Excludes bankers acceptances 22 Scotiabank 11

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