International Retail Loans and Provisions

Oil and Gas Exposures1 . Drawn corporate Oil and Gas exposure (58% investment grade) is $16.5 billion or 3.5% of our total loan book Upstream • (1) $9.9B Midstream $2.6B Services (11%) Downstream Downstream $2.1B (13%) . Services $1.9B Midstream (16%) Upstream (60%) . Total $16.5B Undrawn commitments of $14.3 billion, of which roughly 75% is investment grade Exposures relate to loans and acceptances outstanding as of October 31, 2015 and to undrawn commitments attributed/related to those drawn loans and acceptances. Scotiabank® 15

View entire presentation