2016 Year-End Financial Results

International Banking - Revenue & Volume Growth Revenues (TEB) ($ millions) Average Loans & Acceptances¹ ($ billions) +5% Y/Y +6% Y/Y 22 23 24 26 26 27 2,424 2,498 2,357 51 53 53 828 883 847 1,510 1,596 1,615 Q4/15 Q3/16 Q4/15 Q3/16 Business Q4/16 ■Residential mortgages Personal & credit cards Average Deposits² ($ billions) +14% Y/Y 33 34 31 Q4/16 ■Net interest income ■Non-interest revenue (1) Colombia small business portfolio reclassed to Retail from Commercial commencing in Q1/16 - prior periods have been restated (2) Includes deposits from banks 22 54 56 47 Q4/15 ■Non-personal ■ Personal Q3/16 Q4/16 Scotiabank®

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